Hampden Bank in Springfield, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hampden Bank - Overview

  • General
  • FDIC Certificate #: 90283
    Status: Active
    Federal Reserve ID: 157904
    Bank Holding Company (Regulatory Top Holder): Hampden Bancorp, Inc. (RSSDID: 3228702, Location: Springfield, MA)
    Date Established: April 13, 1852
    WWW: http://www.hampdenbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 13165
    FDIC's unique #: 17873
    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: Commercial Lending Specialization
    Date of Deposit Insurance: December 19, 1985
    Last Structure Change Effective Date: April 04, 2012
    Last Structure Change Process Date: April 04, 2012
    Last Data Update: April 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 19 Harrison Avenue, Springfield, MA 1101
    County: Hampden
    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)
  • Financial Summary
  • Total assets: $563.1 mil
    Equity capital: $76.8 mil
    Deposits held in domestic offices: $428.3 mil
    Return on assets (ROA): 0.48% ($2.7 mil)
    Quarterly return on assets: 0.74% ($4.2 mil)
    Return on Equity (ROE): 3.57% ($2.7 mil)
    Quarterly return on equity: 5.40% ($4.2 mil)
    Net income: $2.7 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 0.64% ($3,603.7 mil)
    Quarterly Pretax return on assets: 1.03% ($5,799.7 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
  • 112Total employees (full-time equivalent)
  • $563,077Total assets
  • $22,498Cash and due from depository institutions
  • $469Interest-bearing balances
  • $104,396Securities
  • $1,155Federal funds sold & reverse repurchase agreements
  • $399,819Net loans & leases
  • $5,569Loan loss allowance
  • $0Trading account assets
  • $5,153Bank premises and fixed assets
  • $1,075Other real estate owned
  • $0Goodwill and other intangibles
  • $563,077Life insurance assets
  • $28,981All other assets
  • $486,300Total liabilities and capital
  • $428,301Total liabilities
  • $355,571Total deposits
  • $428,301Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 6468.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $46,212Trading liabilities
  • $0Other borrowed funds
  • $5,319Subordinated debt
  • $76,777All other liabilities
  • $76,777Total equity capital
  • $76,777Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $77,552Surplus
  • $-776Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,318Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,503Income earned, not collected on loans
  • $0Earning assets
  • $1,499Long-term assets (5+ years)
  • $505,839Average Assets, year-to-date
  • $277,913Average Assets, quarterly
  • $558,552Volatile liabilities
  • $559,185Insider loans
  • $399,510FHLB advances
  • $557,635Loans and leases held for sale
  • $15,939Unused loan commitments
  • $15,939Tier 1 (core) risk-based capital
  • $75,145Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $86,550Restructured Loans and leases
  • $527Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,795Total interest income
  • $6,925Total interest expense
  • $17,870Net interest income
  • $1,700Provision for loan and lease losses
  • $2,796Total noninterest income
  • $0Fiduciary activities
  • $1,290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,506Additional noninterest income
  • $15,293Total noninterest expense
  • $8,427Salaries and employee benefits
  • $1,849Premises and equipment expense
  • $5,017Additional noninterest expense
  • $3,673Pre-tax net operating income
  • -$85Securities gains (losses)
  • $914Applicable income taxes
  • $2,674Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,674Net income attributable to bank
  • $0Net charge-offs
  • $2,674Cash dividends
  • $2,205Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 1.37%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 3.57%Return on equity (ROE)
  • 3.57%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 77.10%Credit loss provision to net charge-offs
  • 2.44%Efficiency ratio
  • 74,001Assets per employee
  • 5.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 101.20%Noncurrent assets plus other real estate owned to assets
  • 1.17%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 93.35%Net loans and leases to core deposits
  • 105.50%Equity capital to assets
  • 13.64%Core capital (leverage) ratio
  • 13.48%Tier 1 risk-based capital ratio
  • 18.81%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $558,552Average earning assets
  • $74,905Average equity
  • $505,948Average loans

List of branches

  • 10 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017873Hampden Bank19 Harrison Avenue, Springfield, MA 1101April 13, 1852Full Service Brick and Mortar
    1291475West Springfield Branch220 Westfield Street, West Springfield, MA 1089March 22, 1975Full Service Brick and Mortar
    2291476Longmeadow Branch475 Longmeadow Street, Longmeadow, MA 1106August 25, 1976Full Service Brick and Mortar
    3291477Allen Street Branch1363 Allen Street, Springfield, MA 1118June 09, 1979Full Service Brick and Mortar
    4360826Agawam Branch820 Suffield Strret, Agawam, MA 1001June 16, 2001Full Service Brick and Mortar
    5423058Wilbraham Branch2005 Boston Road, Wilbraham, MA 1095October 07, 2003Full Service Brick and Mortar
    6445276Tower Square Branch1500 Main Street, Springfield, MA 1103October 21, 2005Full Service Retail
    7469212Indian Orchard Branch187 Main Street, Indian Orchard, MA 1151November 16, 2007Full Service Retail
    8493491Shaker Road Branch916 Shaker Road, Longmeadow, MA 1106December 30, 2008Full Service Brick and Mortar
    9517244Boston Road Branch977 Boston Road, Springfield, MA 1101January 27, 2011Full Service Brick and Mortar

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