Wrentham Co-operative Bank

Wrentham Co-operative Bank is headquartered in Wrentham and is the 136^th largest bank in the state of Massachusetts. It is also the 4,711^st largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 15 employees at 2 locations. Wrentham Co-operative Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Wrentham Co-operative Bank FDIC Certificate # 26576 BankRate Report View Year Established 1901 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $110.15 million Loans $51.26 million Deposits $96.03 million Equity Capital $13.77 million Loan Loss Allowance $419,000 Unbacked Noncurrent Loans $424,000 Real Estate Owned $4,000 Historic Data - March 2011 Assets $110.12 million Equity Capital $13.38 million Loan Loss Allowance $397,000 Unbacked Noncurrent Loans $267,000 Profit Margin - Quarterly Net Interest Margin 2.65% Return on Assets 0.35% Return on Equity 2.8% Interest Income $806,000

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 Wrentham Co-operative Bank had $428,000 in non-current loans and owned real-estate with $14.19 million in equity and loan loss allowances on hand to cover it. This gives Wrentham Co-operative Bank a Texas Ratio of 3.02% 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 Wrentham Co-operative Bank held steady from 1.94% as of March 31, 2011 to 3.02% as of March 31, 2012, resulting in a negative change of 55.56%. This indicates that the balance sheet and financial strength for Wrentham Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, Wrentham Co-operative Bank has decreased its total deposits by $-411,000, resulting in -0.43% 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 Wrentham Co-operative Bank has shown is 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. Wrentham Co-operative Bank has $110.15 million in assets with $14.19 million in equity, resulting in a capitalization level of 12.88%, which is excellent.

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