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Adams Co-operative Bank

Adams, MA · Cert 26568

FDIC

Q4 2011

$193.4MAssets
$153.4MLoans
$148.3MDeposits
$18.9MEquity
Loan mix
89%RE $128.9M4%C&I $6.5M7%Consumer $9.9MQ1 2010Q4 2011
Deposit mix
95%Interest-bearing $140.4M5%Noninterest $7.9MQ1 2010Q4 2011

Executive Summary

  • Earnings: ROA of 0.17%, up 2 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.55%.
  • Funding: loans stand at 103.43% of deposits as of Q4 2011.

Return on Assets (YTD, annualized)

0.17%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-1 bps YoY

Efficiency Ratio (YTD, annualized)

87.12%-220 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.15%Q4 ’094.85%Q4 ’104.47%Q4 ’11+11%0%

Non-interest income vs. expense

2.86%Q4 ’093.09%Q4 ’103.01%Q4 ’11+14%-3%

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.25%0.19%0.21%0.15%0.11%0.21%0.19%0.17%+2 bps
Return on Equity2.79%2.05%2.23%1.66%1.18%2.20%2.03%1.83%+17 bps
Net Interest Margin2.98%3.00%3.05%3.12%3.20%3.10%3.07%3.10%-1 bps
Efficiency Ratio87.77%89.60%88.81%89.32%90.14%86.62%86.29%87.12%-220 bps
Non-Interest Burden2.57%2.65%2.67%2.75%2.85%2.64%2.60%2.66%-9 bps
Growth
Asset Growth (YoY)-2.53%-3.02%-2.98%-2.51%-3.94%-1.07%0.91%0.77%+328 bps
Loan Growth (YoY)-5.88%-1.86%-2.92%-1.34%-1.88%-0.46%1.05%0.15%+148 bps
Deposit Growth (YoY)0.13%0.86%-0.86%-2.73%-3.31%-2.44%0.63%2.17%+491 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.90%0.72%0.49%0.54%1.14%0.62%0.48%0.55%+1 bps
Allowance / Loans1.34%1.25%1.31%1.24%1.04%1.07%1.12%1.02%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital15.28%15.48%15.83%16.07%16.06%16.07%16.17%16.48%+41 bps
Equity / Assets9.01%9.34%9.53%9.52%9.36%9.47%9.61%9.79%+27 bps
Liquidity & Funding
Loans / Deposits101.14%101.42%102.67%105.52%102.63%103.47%103.10%103.43%-209 bps
Liquid Assets / Assets0.19%0.08%0.06%0.00%0.05%0.04%0.08%0.06%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a