Mansfield Co-operative Bank

Mansfield Co-operative Bank is headquartered in Mansfield and is the 76^th largest bank in the state of Massachusetts. It is also the 1,807^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 84 employees at 5 locations. Mansfield Co-operative Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Mansfield Co-operative Bank CCBSIF # Member FDIC Certificate # 26448 BankRate Report View Year Established 1883 Employees 84 Primary Regulator FDIC Assets and Liabilities Assets $368.54 million Loans $256.12 million Deposits $315.25 million Equity Capital $39.01 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $4.67 million Real Estate Owned $422,000 Historic Data - March 2011 Assets $337.64 million Equity Capital $37.11 million Loan Loss Allowance $2.83 million Unbacked Noncurrent Loans $3.55 million Real Estate Owned $604,000 Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.4% Return on Equity 3.78% Interest Income $3.68 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 Mansfield Co-operative Bank had $5.09 million in non-current loans and owned real-estate with $42.12 million in equity and loan loss allowances on hand to cover it. This gives Mansfield Co-operative Bank a Texas Ratio of 12.09% 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 Mansfield Co-operative Bank held steady from 10.33% as of March 31, 2011 to 12.09% as of March 31, 2012, resulting in a negative change of 17.02%. This indicates that the balance sheet and financial strength for Mansfield Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, Mansfield Co-operative Bank has increased its total deposits by $34.97 million, resulting in 12.48% 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 Mansfield 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. Mansfield Co-operative Bank has $368.54 million in assets with $42.12 million in equity, resulting in a capitalization level of 11.43%, which is above average.

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