The Cooperative Bank

The Cooperative Bank is headquartered in Roslindale and is the 96^th largest bank in the state of Massachusetts. It is also the 2,303^rd largest bank in the nation. It was established in 1898 and as of March of 2012, it had grown to 61 employees at 4 locations. The Cooperative Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Cooperative Bank FDIC Certificate # 26922 BankRate Report View Year Established 1898 Employees 61 Primary Regulator FDIC Assets and Liabilities Assets $281.44 million Loans $186.22 million Deposits $239.75 million Equity Capital $29.26 million Loan Loss Allowance $1.57 million Unbacked Noncurrent Loans $3.11 million Historic Data - March 2011 Assets $277.96 million Equity Capital $27.13 million Loan Loss Allowance $1.89 million Unbacked Noncurrent Loans $2.48 million Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 1.11% Return on Equity 10.85% Interest Income $2.63 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 Cooperative Bank had $3.11 million in non-current loans and owned real-estate with $30.83 million in equity and loan loss allowances on hand to cover it. This gives The Cooperative Bank a Texas Ratio of 10.09% 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 Cooperative Bank held steady from 8.54% as of March 31, 2011 to 10.09% as of March 31, 2012, resulting in a negative change of 18.10%. This indicates that the balance sheet and financial strength for The Cooperative Bank has held steady in recent periods. Deposit Growth In the past year, The Cooperative Bank has increased its total deposits by $2.82 million, resulting in 1.19% 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 Cooperative 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 Cooperative Bank has $281.44 million in assets with $30.83 million in equity, resulting in a capitalization level of 10.95%, which is above average.

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