Stoughton Co-operative Bank

Stoughton Co-operative Bank is headquartered in Stoughton and is the 145^th largest bank in the state of Massachusetts. It is also the 5,151^st largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 23 employees at 2 locations. Stoughton Co-operative Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Stoughton Co-operative Bank FDIC Certificate # 26513 BankRate Report View Year Established 1886 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $92.49 million Loans $56.68 million Deposits $70.35 million Equity Capital $8.78 million Loan Loss Allowance $558,000 Unbacked Noncurrent Loans $795,000 Historic Data - March 2011 Assets $93.38 million Equity Capital $8.09 million Loan Loss Allowance $506,000 Unbacked Noncurrent Loans $1.14 million Real Estate Owned $540,000 Profit Margin - Quarterly Net Interest Margin 3% Return on Assets 0.36% Return on Equity 3.83% Interest Income $907,000

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 Stoughton Co-operative Bank had $795,000 in non-current loans and owned real-estate with $9.33 million in equity and loan loss allowances on hand to cover it. This gives Stoughton Co-operative Bank a Texas Ratio of 8.52% 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 Stoughton Co-operative Bank decreased significantly from 19.58% as of March 31, 2011 to 8.52% as of March 31, 2012, resulting in a positive change of 56.50%.This indicates that the balance sheet and financial strength for Stoughton Co-operative Bank has improved significantly in recent periods. Deposit Growth In the past year, Stoughton Co-operative Bank has increased its total deposits by $377,000, resulting in 0.54% 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 Stoughton Co-operative Bank has shown is 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. Stoughton Co-operative Bank has $92.49 million in assets with $9.33 million in equity, resulting in a capitalization level of 10.09%, which is above average.

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