Holbrook Co-operative Bank in Holbrook, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Holbrook Co-operative Bank - Overview

  • General
  • FDIC Certificate #: 26600
    Status: Active
    Federal Reserve ID: 279673
    Date Established: January 01, 1888
    WWW: http://www.holbrookcoop.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 35321
    Numeric code: 42
    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: March 26, 1986
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 95 North Franklin Street, Holbrook, MA 2343
    County: Norfolk
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: South Boston
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Boston, MA-NH (#1120)
    Consolidated Metropolitan Statistical Area (CMSA): Boston-Worcester-Lawrence, MA-NH-ME-CT (#7)
    Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Boston-Cambridge-Quincy, MA-NH (#14460)
    CBSA Metro Statistical Area: Boston-Cambridge-Quincy, MA-NH (#14460)
    Core Based Statistical Division: Boston-Quincy, MA (#14484)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $92.9 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $84.3 mil
    Return on assets (ROA): -0.13% (-$0.1 mil)
    Quarterly return on assets: 0.20% ($0.2 mil)
    Return on Equity (ROE): -1.55% (-$0.1 mil)
    Quarterly return on equity: 2.36% ($0.2 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.24% (-$223.0 mil)
    Quarterly Pretax return on assets: 0.32% ($297.4 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
  • 21Total employees (full-time equivalent)
  • $92,923Total assets
  • $14,529Cash and due from depository institutions
  • $12,299Interest-bearing balances
  • $9,117Securities
  • $3,797Federal funds sold & reverse repurchase agreements
  • $58,506Net loans & leases
  • $1,632Loan loss allowance
  • $0Trading account assets
  • $2,327Bank premises and fixed assets
  • $1,794Other real estate owned
  • $169Goodwill and other intangibles
  • $92,923Life insurance assets
  • $2,684All other assets
  • $84,802Total liabilities and capital
  • $84,284Total liabilities
  • $74,900Total deposits
  • $84,284Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $518Subordinated debt
  • $8,121All other liabilities
  • $8,121Total equity capital
  • $8,121Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $6,528Surplus
  • $1,593Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,152Income earned, not collected on loans
  • $0Earning assets
  • $231Long-term assets (5+ years)
  • $83,719Average Assets, year-to-date
  • $12,103Average Assets, quarterly
  • $100,014Volatile liabilities
  • $94,640Insider loans
  • $58,364FHLB advances
  • $95,062Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,538Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,149Restructured Loans and leases
  • $563Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,436Total interest income
  • $723Total interest expense
  • $3,713Net interest income
  • $50Provision for loan and lease losses
  • $438Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • $362Additional noninterest income
  • $4,427Total noninterest expense
  • $1,661Salaries and employee benefits
  • $515Premises and equipment expense
  • $2,251Additional noninterest expense
  • -$326Pre-tax net operating income
  • $85Securities gains (losses)
  • -$114Applicable income taxes
  • -$127Income before extraordinary items
  • $0Extraordinary gains - net
  • -$127Net income attributable to bank
  • $0Net charge-offs
  • -$127Cash dividends
  • $809Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.87%Noninterest expense to earning assets
  • -0.18%Net operating income to assets
  • -0.13%Return on assets (ROA)
  • -0.24%Pretax return on assets
  • -1.55%Return on equity (ROE)
  • -1.55%Retained earnings to average equity (YTD only)
  • 1.19%Net charge-offs to loans
  • 6.18%Credit loss provision to net charge-offs
  • -0.34%Efficiency ratio
  • 106,649Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.71%Loss allowance to noncurrent loans
  • 141.67%Noncurrent assets plus other real estate owned to assets
  • 3.17%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 69.42%Net loans and leases to core deposits
  • 72.15%Equity capital to assets
  • 8.74%Core capital (leverage) ratio
  • 7.93%Tier 1 risk-based capital ratio
  • 12.92%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $100,014Average earning assets
  • $8,182Average equity
  • $90,815Average loans

List of branches

  • 2 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035321Holbrook Co-Operative Bank95 North Franklin Street, Holbrook, MA 2343January 01, 1888Full Service Brick and Mortar
    1491186Brockton Branch60 Crescent Street, Brockton, MA 2301June 02, 2009Full Service Brick and Mortar

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