The Northampton Co-operative Bank

The Northampton Co-operative Bank is headquartered in Northampton and is the 128^th largest bank in the state of Massachusetts. It is also the 3,712^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 28 employees at 4 locations. The Northampton Co-operative Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Northampton Co-operative Bank FDIC Certificate # 26454 BankRate Report View Year Established 1889 Employees 28 Primary Regulator FED Assets and Liabilities Assets $159.02 million Loans $83.66 million Deposits $130.29 million Equity Capital $22.38 million Loan Loss Allowance $480,000 Unbacked Noncurrent Loans $269,000 Historic Data - March 2011 Assets $156.09 million Equity Capital $21.45 million Loan Loss Allowance $520,000 Unbacked Noncurrent Loans $273,000 Profit Margin - Quarterly Net Interest Margin 2.84% Return on Assets 0.47% Return on Equity 3.32% Interest Income $1.16 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 The Northampton Co-operative Bank had $269,000 in non-current loans and owned real-estate with $22.86 million in equity and loan loss allowances on hand to cover it. This gives The Northampton Co-operative Bank a Texas Ratio of 1.18% 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 The Northampton Co-operative Bank held steady from 1.24% as of March 31, 2011 to 1.18% as of March 31, 2012, resulting in a positive change of 5.31%.This indicates that the balance sheet and financial strength for The Northampton Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, The Northampton Co-operative Bank has increased its total deposits by $2.89 million, resulting in 2.27% 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 Northampton 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 Northampton Co-operative Bank has $159.02 million in assets with $22.86 million in equity, resulting in a capitalization level of 14.38%, which is excellent.

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