Winchester Co-operative Bank

Winchester Co-operative Bank is headquartered in Winchester and is the 54^th largest bank in the state of Massachusetts. It is also the 1,224^th largest bank in the nation. It was established in 1893 and as of March of 2013, it had grown to 41 employees at 1 location. Winchester Co-operative Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2013

Institution Statistics Winchester Co-operative Bank FDIC Certificate # 27238 BankRate Report View Year Established 1893 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $548.53 million Loans $353.13 million Deposits $486.31 million Equity Capital $61.85 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $9.76 million Historic Data - March 2012 Assets $533.23 million Equity Capital $57.80 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $11.15 million Profit Margin - Quarterly Net Interest Margin 2.34% Return on Assets 0.75% Return on Equity 6.7% Interest Income $4.05 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, 2013 Winchester Co-operative Bank had $9.76 million in non-current loans and owned real-estate with $63.29 million in equity and loan loss allowances on hand to cover it. This gives Winchester Co-operative Bank a Texas Ratio of 15.42% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Winchester Co-operative Bank decreased slightly from 18.73% as of March 31, 2012 to 15.42% as of March 31, 2013, resulting in a positive change of 17.67%.This indicates that the balance sheet and financial strength for Winchester Co-operative Bank has improved slightly in recent periods. Deposit Growth In the past year, Winchester Co-operative Bank has increased its total deposits by $13.47 million, resulting in 2.85% 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 Winchester 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. Winchester Co-operative Bank has $548.53 million in assets with $63.29 million in equity, resulting in a capitalization level of 11.54%, which is above average.

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