North Cambridge Co-operative Bank

North Cambridge Co-operative Bank is headquartered in Cambridge and is the 146^th largest bank in the state of Massachusetts. It is also the 5,269^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 11 employees at 1 location. North Cambridge Co-operative Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics North Cambridge Co-operative Bank FDIC Certificate # 26567 BankRate Report View Year Established 1912 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $88.17 million Loans $46.19 million Deposits $68.88 million Equity Capital $18.57 million Loan Loss Allowance $582,000 Unbacked Noncurrent Loans $536,000 Historic Data - March 2011 Assets $88.90 million Equity Capital $17.76 million Loan Loss Allowance $582,000 Unbacked Noncurrent Loans $292,000 Profit Margin - Quarterly Net Interest Margin 3.19% Return on Assets 0.44% Return on Equity 2.1% Interest Income $766,000

Institution Health Overall Score: 5 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 North Cambridge Co-operative Bank had $536,000 in non-current loans and owned real-estate with $19.15 million in equity and loan loss allowances on hand to cover it. This gives North Cambridge Co-operative Bank a Texas Ratio of 2.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Cambridge Co-operative Bank held steady from 1.59% as of March 31, 2011 to 2.80% as of March 31, 2012, resulting in a negative change of 75.86%. This indicates that the balance sheet and financial strength for North Cambridge Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, North Cambridge Co-operative Bank has decreased its total deposits by -$1.86 million, resulting in -2.62% 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 North Cambridge Co-operative Bank has shown is below average. 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. North Cambridge Co-operative Bank has $88.17 million in assets with $19.15 million in equity, resulting in a capitalization level of 21.72%, which is excellent.

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