StonehamBank, A Co-operative Bank

StonehamBank, A Co-operative Bank is headquartered in Stoneham and is the 65^th largest bank in the state of Massachusetts. It is also the 1,533^rd largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 81 employees at 2 locations. StonehamBank, A Co-operative Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics StonehamBank, A Co-operative Bank FDIC Certificate # 26559 BankRate Report View Year Established 1887 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $435.43 million Loans $340.24 million Deposits $305.53 million Equity Capital $38.45 million Loan Loss Allowance $3.94 million Unbacked Noncurrent Loans $4.76 million Historic Data - March 2011 Assets $403.95 million Equity Capital $34.64 million Loan Loss Allowance $3.70 million Unbacked Noncurrent Loans $4.02 million Real Estate Owned $237,000 Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 0.6% Return on Equity 6.81% Interest Income $4.68 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 StonehamBank, A Co-operative Bank had $4.76 million in non-current loans and owned real-estate with $42.38 million in equity and loan loss allowances on hand to cover it. This gives StonehamBank, A Co-operative Bank a Texas Ratio of 11.23% 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 StonehamBank, A Co-operative Bank held steady from 11.10% as of March 31, 2011 to 11.23% as of March 31, 2012, resulting in a negative change of 1.13%. This indicates that the balance sheet and financial strength for StonehamBank, A Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, StonehamBank, A Co-operative Bank has increased its total deposits by $19.26 million, resulting in 6.73% 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 StonehamBank, A 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. StonehamBank, A Co-operative Bank has $435.43 million in assets with $42.38 million in equity, resulting in a capitalization level of 9.73%, which is average.

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