Easthampton Savings Bank in Easthampton, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Easthampton Savings Bank in Easthampton, Massachusetts (MA)
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Easthampton Savings Bank - Overview

  • General
  • FDIC Certificate #: 90188
    Status: Active
    Federal Reserve ID: 859002
    Bank Holding Company (Regulatory Top Holder): Esb Bancorp Mhc (RSSDID: 3728930, Location: Easthampton, MA)
    Date Established: Febuary 10, 1869
    WWW: http://www.bankesb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 15456
    FDIC's unique #: 17779
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 05, 1985
    Last Structure Change Effective Date: October 01, 2008
    Last Structure Change Process Date: October 14, 2008
    Last Data Update: October 14, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 36 Main Street, Easthampton, MA 1027
    County: Hampshire
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Springfield Ma
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Springfield, MA (#8000)
    Core Based Statistical Area (CBSA): Springfield, MA (#44140)
    CBSA Metro Statistical Area: Springfield, MA (#44140)
  • History of Changes
  • Name Change
    Change in Entity Type
  • Financial Summary
  • Total assets: $939.2 mil
    Equity capital: $116.3 mil
    Deposits held in domestic offices: $757.1 mil
    Return on assets (ROA): 0.93% ($8.7 mil)
    Quarterly return on assets: 0.98% ($9.2 mil)
    Return on Equity (ROE): 7.70% ($8.9 mil)
    Quarterly return on equity: 8.01% ($9.3 mil)
    Net income: $8.5 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 1.36% ($12,773.7 mil)
    Quarterly Pretax return on assets: 1.31% ($12,304.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 163Total employees (full-time equivalent)
  • $939,244Total assets
  • $20,283Cash and due from depository institutions
  • $215Interest-bearing balances
  • $214,923Securities
  • $1,098Federal funds sold & reverse repurchase agreements
  • $644,132Net loans & leases
  • $4,097Loan loss allowance
  • $0Trading account assets
  • $16,508Bank premises and fixed assets
  • $1,326Other real estate owned
  • $0Goodwill and other intangibles
  • $939,244Life insurance assets
  • $40,974All other assets
  • $822,935Total liabilities and capital
  • $757,114Total liabilities
  • $715,459Total deposits
  • $757,114Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58,000Trading liabilities
  • $0Other borrowed funds
  • $7,821Subordinated debt
  • $116,309All other liabilities
  • $116,309Total equity capital
  • $116,309Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $104,079Surplus
  • $12,230Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,093Income earned, not collected on loans
  • $0Earning assets
  • $3,069Long-term assets (5+ years)
  • $860,368Average Assets, year-to-date
  • $625,627Average Assets, quarterly
  • $915,242Volatile liabilities
  • $936,826Insider loans
  • $528,718FHLB advances
  • $937,077Loans and leases held for sale
  • $24,064Unused loan commitments
  • $24,064Tier 1 (core) risk-based capital
  • $112,596Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $122,773Restructured Loans and leases
  • $5,785Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $38,442Total interest income
  • $9,586Total interest expense
  • $28,856Net interest income
  • $480Provision for loan and lease losses
  • $4,737Total noninterest income
  • $0Fiduciary activities
  • $2,091Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,646Additional noninterest income
  • $20,908Total noninterest expense
  • $10,767Salaries and employee benefits
  • $2,800Premises and equipment expense
  • $7,341Additional noninterest expense
  • $12,205Pre-tax net operating income
  • $245Securities gains (losses)
  • $3,933Applicable income taxes
  • $8,517Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,517Net income attributable to bank
  • $0Net charge-offs
  • $8,517Cash dividends
  • $645Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.50%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 7.70%Return on equity (ROE)
  • 7.70%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 74.42%Credit loss provision to net charge-offs
  • 19.67%Efficiency ratio
  • 62,239Assets per employee
  • 5.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.63%Loss allowance to noncurrent loans
  • 57.76%Noncurrent assets plus other real estate owned to assets
  • 0.90%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 85.08%Net loans and leases to core deposits
  • 94.17%Equity capital to assets
  • 12.38%Core capital (leverage) ratio
  • 12.02%Tier 1 risk-based capital ratio
  • 21.30%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $915,242Average earning assets
  • $110,572Average equity
  • $836,069Average loans

List of branches

  • 9 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017779Easthampton Savings Bank36 Main Street, Easthampton, MA 1027Febuary 10, 1869Full Service Brick and Mortar
    1291095Southampton Branch134 College Highway, Southampton, MA 1073July 02, 1973Full Service Brick and Mortar
    2291096Locust Street Branch21 Locust Street, Northampton, MA 1060May 30, 1989Full Service Brick and Mortar
    3291097Hadley Branch70 East Street, Hadley, MA 1035October 23, 1995Full Service Brick and Mortar
    4291098Northampton Branch297 King Street, Northampton, MA 1060September 08, 1997Full Service Brick and Mortar
    5362893Granby Road Branch605 Granby Road, South Hadley, MA 1075January 29, 2002Full Service Brick and Mortar
    6424800Belchertown Branch175 State Street, Belchertown, MA 1007January 14, 2004Full Service Brick and Mortar
    7468991Westfield Branch85 Broad Street, Westfield, MA 1085October 22, 2007Full Service Brick and Mortar
    8518658Agawam Branch770 Main Street, Agawam, MA 1001April 11, 2011Full Service Brick and Mortar

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