Naugatuck Valley Savings and Loan in Naugatuck, Connecticut (CT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Naugatuck Valley Savings and Loan in Naugatuck, Connecticut (CT)
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Naugatuck Valley Savings and Loan - Overview

  • General
  • FDIC Certificate #: 30365
    Status: Active
    Federal Reserve ID: 151872
    Date Established: January 01, 1922
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 17983
    FDIC's unique #: 43199
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 15, 1951
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 333 Church Street, Naugatuck, CT 6770
    County: New Haven
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Hartford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Waterbury, CT (#8880)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New Haven-Milford, CT (#35300)
    CBSA Metro Statistical Area: New Haven-Milford, CT (#35300)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $573.9 mil
    Equity capital: $68.0 mil
    Deposits held in domestic offices: $429.6 mil
    Return on assets (ROA): 0.41% ($2.4 mil)
    Quarterly return on assets: 0.41% ($2.4 mil)
    Return on Equity (ROE): 4.00% ($2.7 mil)
    Quarterly return on equity: 3.47% ($2.4 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.62% ($3,558.4 mil)
    Quarterly Pretax return on assets: 0.70% ($4,017.5 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
  • 146Total employees (full-time equivalent)
  • $573,932Total assets
  • $15,436Cash and due from depository institutions
  • $8,278Interest-bearing balances
  • $49,179Securities
  • $2,633Federal funds sold & reverse repurchase agreements
  • $470,635Net loans & leases
  • $6,824Loan loss allowance
  • $0Trading account assets
  • $9,654Bank premises and fixed assets
  • $783Other real estate owned
  • $720Goodwill and other intangibles
  • $573,932Life insurance assets
  • $24,892All other assets
  • $505,971Total liabilities and capital
  • $429,606Total liabilities
  • $362,744Total deposits
  • $429,606Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 6541.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $67,972Trading liabilities
  • $0Other borrowed funds
  • $1,852Subordinated debt
  • $67,961All other liabilities
  • $67,961Total equity capital
  • $67,961Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $37,007Surplus
  • $30,953Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25,403Income earned, not collected on loans
  • $1,345Earning assets
  • $1,930Long-term assets (5+ years)
  • $530,725Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $576,337Volatile liabilities
  • $577,724Insider loans
  • $429,144FHLB advances
  • $573,896Loans and leases held for sale
  • $9,556Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $68,156Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $64,895Restructured Loans and leases
  • $629Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,154Total interest income
  • $8,378Total interest expense
  • $18,776Net interest income
  • $3,604Provision for loan and lease losses
  • $4,706Total noninterest income
  • $0Fiduciary activities
  • $898Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,808Additional noninterest income
  • $16,392Total noninterest expense
  • $10,465Salaries and employee benefits
  • $3,016Premises and equipment expense
  • $2,911Additional noninterest expense
  • $3,486Pre-tax net operating income
  • $86Securities gains (losses)
  • $1,217Applicable income taxes
  • $2,355Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,355Net income attributable to bank
  • $0Net charge-offs
  • $2,355Cash dividends
  • $2,224Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 4.00%Return on equity (ROE)
  • 4.00%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 162.05%Credit loss provision to net charge-offs
  • 3.19%Efficiency ratio
  • 69,666Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 26.86%Noncurrent assets plus other real estate owned to assets
  • 4.56%Noncurrent loans to loans
  • 5.32%Net loans and leases to deposits
  • 109.55%Net loans and leases to core deposits
  • 114.47%Equity capital to assets
  • 11.84%Core capital (leverage) ratio
  • 11.88%Tier 1 risk-based capital ratio
  • 15.88%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $576,337Average earning assets
  • $58,914Average equity
  • $535,687Average loans

List of branches

  • 10 Connecticut Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043199Naugatuck Valley Savings And Loan333 Church Street, Naugatuck, CT 6770January 01, 1922Full Service Brick and Mortar
    1280176New Haven Rd Branch1009 New Haven Road, Naugatuck, CT 6770September 28, 1974Full Service Brick and Mortar
    101244369Beacon Falls Branch127 South Main Street, Beacon Falls, CT 6403December 10, 1973Full Service Brick and Mortar
    102360561Bridgeport Avenue Branch504 Bridgeport Avenue, Shelton, CT 6484June 13, 2001Full Service Brick and Mortar
    103366290Pershing Drive Branch49 Pershing Drive, Derby, CT 6418Febuary 10, 2003Full Service Brick and Mortar
    104444588Seymour Branch249 West Street, Seymour, CT 6483January 18, 2005Full Service Brick and Mortar
    105492423Southbury Branch3c Village Green, Southbury, CT 6488June 23, 2008Full Service Brick and Mortar
    106495961Southford Branch1570 Southford Road, Southbury, CT 6488August 07, 2006Full Service Brick and Mortar
    107495962Waterbury Branch1030 Hamilton Ave, Waterbury, CT 6706July 31, 2006Full Service Brick and Mortar
    108521515Cheshire Branch1699 Highland Ave, Cheshire, CT 6410August 28, 2006Full Service Brick and Mortar

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