North Shore Bank, a Co-operative Bank

North Shore Bank, a Co-operative Bank is headquartered in Peabody and is the 61^st largest bank in the state of Massachusetts. It is also the 1,438^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 93 employees at 8 locations. North Shore Bank, a Co-operative Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics North Shore Bank, a Co-operative Bank FDIC Certificate # 26484 BankRate Report View Year Established 1888 Employees 93 Primary Regulator FDIC Assets and Liabilities Assets $466.45 million Loans $339.99 million Deposits $357.99 million Equity Capital $47.30 million Loan Loss Allowance $5.22 million Unbacked Noncurrent Loans $835,000 Real Estate Owned $98,000 Historic Data - March 2011 Assets $450.61 million Equity Capital $44.29 million Loan Loss Allowance $5.16 million Unbacked Noncurrent Loans $1.91 million Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 0.61% Return on Equity 5.96% Interest Income $5.03 million

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 Shore Bank, a Co-operative Bank had $933,000 in non-current loans and owned real-estate with $52.52 million in equity and loan loss allowances on hand to cover it. This gives North Shore Bank, a Co-operative Bank a Texas Ratio of 1.78% 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 Shore Bank, a Co-operative Bank decreased significantly from 3.86% as of March 31, 2011 to 1.78% as of March 31, 2012, resulting in a positive change of 54.02%.This indicates that the balance sheet and financial strength for North Shore Bank, a Co-operative Bank has improved significantly in recent periods. Deposit Growth In the past year, North Shore Bank, a Co-operative Bank has increased its total deposits by $11.57 million, resulting in 3.34% 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 Shore Bank, a Co-operative Bank has shown is above 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 Shore Bank, a Co-operative Bank has $466.45 million in assets with $52.52 million in equity, resulting in a capitalization level of 11.26%, which is above average.