Lowell Co-operative Bank

Lowell Co-operative Bank is headquartered in Lowell and is the 125^th largest bank in the state of Massachusetts. It is also the 3,492^nd largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 186 employees at 2 locations. Lowell Co-operative Bank's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Lowell Co-operative Bank FDIC Certificate # 26467 BankRate Report View Year Established 1885 Employees 186 Primary Regulator FDIC Assets and Liabilities Assets $172.75 million Loans $159.07 million Deposits $142.80 million Equity Capital $14.66 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $1.57 million Real Estate Owned $52,000 Historic Data - March 2011 Assets $115.92 million Equity Capital $10.03 million Loan Loss Allowance $699,000 Unbacked Noncurrent Loans $2.30 million Real Estate Owned $122,000 Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 1.67% Return on Equity 20.22% Interest Income $1.97 million

Institution Health Overall Score: 4 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 Lowell Co-operative Bank had $1.62 million in non-current loans and owned real-estate with $15.67 million in equity and loan loss allowances on hand to cover it. This gives Lowell Co-operative Bank a Texas Ratio of 10.37% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lowell Co-operative Bank decreased significantly from 22.56% as of March 31, 2011 to 10.37% as of March 31, 2012, resulting in a positive change of 54.06%.This indicates that the balance sheet and financial strength for Lowell Co-operative Bank has improved significantly in recent periods. Deposit Growth In the past year, Lowell Co-operative Bank has increased its total deposits by $50.84 million, resulting in 55.29% 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 Lowell Co-operative Bank has shown is excellent. 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. Lowell Co-operative Bank has $172.75 million in assets with $15.67 million in equity, resulting in a capitalization level of 9.07%, which is average.

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