Holbrook Co-operative Bank

Holbrook Co-operative Bank is headquartered in Holbrook and is the 144^th largest bank in the state of Massachusetts. It is also the 5,125^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 19 employees at 2 locations. Holbrook Co-operative Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Holbrook Co-operative Bank FDIC Certificate # 26600 BankRate Report View Year Established 1888 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $93.50 million Loans $61.65 million Deposits $85.08 million Equity Capital $8.17 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $654,000 Real Estate Owned $1.94 million Historic Data - March 2011 Assets $104.39 million Equity Capital $8.34 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $595,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 0.39% Return on Equity 4.52% Interest Income $965,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Holbrook Co-operative Bank had $2.59 million in non-current loans and owned real-estate with $9.54 million in equity and loan loss allowances on hand to cover it. This gives Holbrook Co-operative Bank a Texas Ratio of 27.20% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Holbrook Co-operative Bank increased slightly from 19.54% as of March 31, 2011 to 27.20% as of March 31, 2012, resulting in a negative change of 39.18%. This indicates that the balance sheet and financial strength for Holbrook Co-operative Bank has declined slightly in recent periods. Deposit Growth In the past year, Holbrook Co-operative Bank has decreased its total deposits by -$5.67 million, resulting in -6.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Holbrook Co-operative Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Holbrook Co-operative Bank has $93.5 million in assets with $9.54 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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