The Braintree Co-operative Bank

The Braintree Co-operative Bank is headquartered in Braintree and is the 106^th largest bank in the state of Massachusetts. It is also the 2,690^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 47 employees at 3 locations. The Braintree Co-operative Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Braintree Co-operative Bank FDIC Certificate # 26570 BankRate Report View Year Established 1889 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $238.99 million Loans $140.23 million Deposits $219.91 million Equity Capital $18.85 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $1.83 million Historic Data - March 2011 Assets $234.97 million Equity Capital $17.22 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $1.56 million Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.43% Return on Equity 5.48% Interest Income $2.17 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 The Braintree Co-operative Bank had $1.83 million in non-current loans and owned real-estate with $20.1 million in equity and loan loss allowances on hand to cover it. This gives The Braintree Co-operative Bank a Texas Ratio of 9.10% 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 The Braintree Co-operative Bank held steady from 8.24% as of March 31, 2011 to 9.10% as of March 31, 2012, resulting in a negative change of 10.38%. This indicates that the balance sheet and financial strength for The Braintree Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, The Braintree Co-operative Bank has increased its total deposits by $8.59 million, resulting in 4.06% 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 The Braintree 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. The Braintree Co-operative Bank has $238.99 million in assets with $20.1 million in equity, resulting in a capitalization level of 8.41%, which is average.

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