PackageTrendsPeer
Letter portraitLegal landscape

Community Bank, A Massachusetts Co-operative Bank, The

Brockton, MA · Cert 26396

FDIC

Q3 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank, A Massachusetts Co-operative Bank, The

Brockton, MA · Cert 26396

FDIC

Q3 2012

$317.4MAssets
$228.1MLoans
$273.8MDeposits
$15.7MEquity
Loan mix
93%RE $195.8M5%C&I $11.2M2%Consumer $4.2MQ3 2011Q3 2012
Deposit mix
89%Interest-bearing $243.1M11%Noninterest $30.7MQ3 2011Q3 2012

NIM

4.80%Q3 ’104.36%Q3 ’113.69%Q3 ’120%-16%

Non-interest income vs. expense

4.18%Q3 ’104.35%Q3 ’113.77%Q3 ’12+5%-12%

Executive Summary

  • Earnings: ROA of -0.58%, up 67 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.66%.
  • Funding: loans stand at 83.31% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.58%+67 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-55 bps YoY

Efficiency Ratio (YTD, annualized)

117.08%+570 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-1.25%-1.60%-0.32%-0.65%-0.58%+67 bps
Return on Equity-19.61%-25.97%-6.02%-12.59%-11.44%+817 bps
Net Interest Margin3.47%3.46%3.00%2.98%2.91%-55 bps
Efficiency Ratio111.38%107.58%108.98%113.34%117.08%+570 bps
Non-Interest Burden3.95%3.78%3.32%3.43%3.46%-48 bps
Growth
Asset Growth (YoY)-4.69%-2.88%0.56%-0.93%-2.72%+196 bps
Loan Growth (YoY)-12.68%-10.50%-8.05%-3.80%-2.78%+990 bps
Deposit Growth (YoY)-10.28%-7.88%-1.31%-3.58%-3.85%+643 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.73%0.84%0.21%0.43%0.66%-7 bps
Allowance / Loans1.98%2.02%2.01%1.95%1.60%-38 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.39%9.82%9.83%9.43%9.40%-99 bps
Equity / Assets5.92%5.31%5.17%4.96%4.96%-96 bps
Liquidity & Funding
Loans / Deposits82.39%81.68%80.71%82.62%83.31%+91 bps
Liquid Assets / Assets17.07%17.14%20.55%19.10%18.96%+189 bps
CRE / Total Capitaln/an/an/an/an/an/an/a