Newtown Savings Bank in Newtown, Connecticut (CT)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Newtown Savings Bank in Newtown, Connecticut (CT)
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Newtown Savings Bank - Overview

  • General
  • FDIC Certificate #: 18199
    Status: Active
    Federal Reserve ID: 507509
    Date Established: October 01, 1855
    WWW: http://www.nsbonline.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: No)
    OTS Docket #: 8506
    FDIC's unique #: 12119
    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: July 01, 1960
    Last Structure Change Effective Date: January 01, 2012
    Last Structure Change Process Date: January 26, 2012
    Last Data Update: January 26, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 39 Main Street, Newtown, CT 6470
    County: Fairfield
    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): Danbury, CT (#1930)
    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): Bridgeport-Stamford-Norwalk, CT (#14860)
    CBSA Metro Statistical Area: Bridgeport-Stamford-Norwalk, CT (#14860)
  • Financial Summary
  • Total assets: $955.5 mil
    Equity capital: $67.6 mil
    Deposits held in domestic offices: $704.6 mil
    Return on assets (ROA): 0.22% ($2.1 mil)
    Quarterly return on assets: 0.30% ($2.9 mil)
    Return on Equity (ROE): 3.04% ($2.1 mil)
    Quarterly return on equity: 4.16% ($2.8 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.30% ($2,866.5 mil)
    Quarterly Pretax return on assets: 0.39% ($3,726.4 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
  • 198Total employees (full-time equivalent)
  • $955,499Total assets
  • $58,551Cash and due from depository institutions
  • $45,361Interest-bearing balances
  • $76,008Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $755,494Net loans & leases
  • $8,293Loan loss allowance
  • $0Trading account assets
  • $15,577Bank premises and fixed assets
  • $6,094Other real estate owned
  • $4,340Goodwill and other intangibles
  • $955,499Life insurance assets
  • $39,435All other assets
  • $887,889Total liabilities and capital
  • $704,554Total liabilities
  • $575,478Total deposits
  • $704,554Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 30598.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $130,085Trading liabilities
  • $0Other borrowed funds
  • $22,652Subordinated debt
  • $67,610All other liabilities
  • $67,610Total equity capital
  • $67,610Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $1,355Surplus
  • $66,255Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,844Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,800Income earned, not collected on loans
  • $546Earning assets
  • $2,956Long-term assets (5+ years)
  • $876,863Average Assets, year-to-date
  • $466,632Average Assets, quarterly
  • $949,358Volatile liabilities
  • $956,243Insider loans
  • $661,096FHLB advances
  • $944,842Loans and leases held for sale
  • $12,995Unused loan commitments
  • $12,995Tier 1 (core) risk-based capital
  • $73,610Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $147,461Restructured Loans and leases
  • $565Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,484Total interest income
  • $12,440Total interest expense
  • $29,044Net interest income
  • $3,300Provision for loan and lease losses
  • $9,112Total noninterest income
  • $0Fiduciary activities
  • $2,569Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,543Additional noninterest income
  • $31,959Total noninterest expense
  • $15,830Salaries and employee benefits
  • $4,601Premises and equipment expense
  • $11,528Additional noninterest expense
  • $2,897Pre-tax net operating income
  • -$12Securities gains (losses)
  • $826Applicable income taxes
  • $2,059Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,059Net income attributable to bank
  • $0Net charge-offs
  • $2,059Cash dividends
  • $4,823Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 3.34%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 3.04%Return on equity (ROE)
  • 3.04%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 68.42%Credit loss provision to net charge-offs
  • 1.28%Efficiency ratio
  • 83,759Assets per employee
  • 4.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 41.88%Noncurrent assets plus other real estate owned to assets
  • 2.80%Noncurrent loans to loans
  • 2.59%Net loans and leases to deposits
  • 107.23%Net loans and leases to core deposits
  • 110.98%Equity capital to assets
  • 7.08%Core capital (leverage) ratio
  • 7.79%Tier 1 risk-based capital ratio
  • 11.13%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $949,358Average earning assets
  • $67,832Average equity
  • $870,368Average loans

List of branches

  • 19 Connecticut Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012119Newtown Savings Bank39 Main Street, Newtown, CT 6470October 01, 1855Full Service Brick and Mortar
    1244245Bethel BranchGreenwood Avenue, Dolan Plaza Shopping Center, Bethel, CT 6801November 01, 1965Full Service Brick and Mortar
    2244246Southbury Branch685 Main Street South, Southbury, CT 6488January 27, 1969Full Service Brick and Mortar
    3244247Woodbury Branch238 Main Street, Woodbury, CT 6798September 27, 1986Full Service Brick and Mortar
    4244248Main Street Branch39 S Main St, Newtown, CT 6470January 17, 1991Full Service Brick and Mortar
    5244249Stony Hill Road Branch66-68 Stony Hill Road, Bethel, CT 6801December 12, 1992Full Service Brick and Mortar
    6244250Century Plaza Shpg. Center Branch535 Monroe Turnpike, Monroe, CT 6468July 01, 1996Full Service Brick and Mortar
    7244251Ashlar Of Newtown139 Toddy Hill Road, Newtown, CT 6470March 30, 1999Limited Service Mobile
    8244252East Hill Woods611 East Hill Road, Southbury, CT 6488April 01, 1999Limited Service Mobile
    9362127Trumbull Branch926 White Plains Road, Trumbull, CT 6611May 29, 2001Full Service Brick and Mortar
    10362128Nsb Mobile Branch39 Main Street, Newtown, CT 6470May 29, 2001Limited Service Mobile
    11363201Danbury Branch30 Main Street, Danbury, CT 6810March 04, 2002Full Service Brick and Mortar
    12439891Shelton Branch819 Bridgeport Avenue, Shelton, CT 6484April 04, 2005Full Service Brick and Mortar
    13442295Pomperaug Woods Branch80 Heritage Road, Southbury, CT 6488December 01, 2004Limited Service Mobile
    14451425Brookfield Branch99 Federal Road, Brookfield, CT 6804March 27, 2006Full Service Brick and Mortar
    15467331Southford Road Branch1450 Southford Road, Southbury, CT 6488August 15, 2007Full Service Brick and Mortar
    16476102White Hills Plaza Branch194a Leavenworth Road, Shelton, CT 6484May 27, 2008Full Service Brick and Mortar
    17476948Newtown High School Branch12 Berkshire Road, Sandy Hook, CT 6482June 02, 2008Limited Service Mobile
    18501650Main Street Monroe Branch477 Main Street, Monroe, CT 6468January 25, 2010Full Service Brick and Mortar

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