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

Deposit mix

NIM

Earnings: ROA of -0.45%, down 15 bps year over year; NIM at 2.76%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.10%.
Funding: loans stand at 83.31% of deposits as of Q3 2012.

Return on Assets (quarter, annualized)

-0.45%-15 bps YoY

Net Interest Margin (quarter, annualized)

2.76%-58 bps YoY

Efficiency Ratio (quarter, annualized)

125.82%+1,844 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	YoY Δ	Trend
Earnings
Return on Assets	-0.30%	-2.66%	-0.32%	-0.98%	-0.45%	-15 bps
Return on Equity	-5.13%	-47.30%	-6.02%	-19.31%	-9.07%	-395 bps
Net Interest Margin	3.34%	3.43%	3.00%	2.95%	2.76%	-58 bps
Efficiency Ratio	107.38%	95.98%	108.98%	118.12%	125.82%	+1,844 bps
Non-Interest Burden	3.61%	3.28%	3.32%	3.53%	3.51%	-10 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.08%	1.16%	0.21%	0.65%	1.10%	+102 bps
Allowance / Loans	1.98%	2.02%	2.01%	1.95%	1.60%	-38 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	10.39%	9.82%	9.83%	9.43%	9.40%	-99 bps
Equity / Assets	5.92%	5.31%	5.17%	4.96%	4.96%	-96 bps
Liquidity & Funding
Loans / Deposits	82.39%	81.68%	80.71%	82.62%	83.31%	+91 bps
Liquid Assets / Assets	17.07%	17.14%	20.55%	19.10%	18.96%	+189 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a