Walpole Co-operative Bank

Walpole Co-operative Bank is headquartered in Walpole and is the 77^th largest bank in the state of Massachusetts. It is also the 1,811^st largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 38 employees at 1 location. Walpole Co-operative Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Walpole Co-operative Bank FDIC Certificate # 26487 BankRate Report View Year Established 1912 Employees 38 Primary Regulator FED Assets and Liabilities Assets $367.33 million Loans $292.35 million Deposits $275.92 million Equity Capital $71.97 million Loan Loss Allowance $4.31 million Unbacked Noncurrent Loans $9.60 million Real Estate Owned $1.66 million Historic Data - March 2011 Assets $341.62 million Equity Capital $68.35 million Loan Loss Allowance $4.30 million Unbacked Noncurrent Loans $11.10 million Real Estate Owned $275,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.73% Return on Equity 3.67% Interest Income $3.80 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 Walpole Co-operative Bank had $11.26 million in non-current loans and owned real-estate with $76.28 million in equity and loan loss allowances on hand to cover it. This gives Walpole Co-operative Bank a Texas Ratio of 14.76% 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 Walpole Co-operative Bank held steady from 15.65% as of March 31, 2011 to 14.76% as of March 31, 2012, resulting in a positive change of 5.68%.This indicates that the balance sheet and financial strength for Walpole Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, Walpole Co-operative Bank has increased its total deposits by $13.92 million, resulting in 5.31% 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 Walpole 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. Walpole Co-operative Bank has $367.33 million in assets with $76.28 million in equity, resulting in a capitalization level of 20.77%, which is excellent.

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