North Easton Savings Bank in city_name, state_name - Detailed Financial Reports, Location

North Easton Savings Bank in South Easton, Massachusetts (MA)
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North Easton Savings Bank routing number info

North Easton Savings Bank - Overview

General
FDIC Certificate #: 90259
Status: Active
Federal Reserve ID: 527600
Date Established: Febuary 08, 1864
WWW: http://www.northeastonsavingsbank.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 10965
FDIC's unique #: 17849
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: Mortgage Lending Specialization
Date of Deposit Insurance: September 06, 1985
Last Structure Change Effective Date: May 15, 2009
Last Structure Change Process Date: May 22, 2009
Last Data Update: May 22, 2009
Data Source Date: April 05, 2012
Location
Address: 20 Eastman Street, South Easton, MA 2375
County: Bristol
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
Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
Core Based Statistical Area (CBSA): Providence-New Bedford-Fall River, RI-MA (#39300)
CBSA Metro Statistical Area: Providence-New Bedford-Fall River, RI-MA (#39300)
History of Changes
Change in Location
Financial Summary
Total assets: $466.2 mil
Equity capital: $40.8 mil
Deposits held in domestic offices: $421.0 mil
Return on assets (ROA): 0.42% ($2.0 mil)
Quarterly return on assets: 0.36% ($1.7 mil)
Return on Equity (ROE): 4.96% ($2.0 mil)
Quarterly return on equity: 4.09% ($1.7 mil)
Net income: $1.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.47% ($2,191.1 mil)
Quarterly Pretax return on assets: 0.34% ($1,585.1 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
90Total employees (full-time equivalent)
$466,194Total assets
$42,741Cash and due from depository institutions
$29,946Interest-bearing balances
$102,733Securities
$2,176Federal funds sold & reverse repurchase agreements
$286,761Net loans & leases
$1,882Loan loss allowance
$0Trading account assets
$15,273Bank premises and fixed assets
$298Other real estate owned
$0Goodwill and other intangibles
$466,194Life insurance assets
$16,212All other assets
$425,431Total liabilities and capital
$420,966Total liabilities
$362,164Total deposits
$420,966Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$4,465Subordinated debt
$40,763All other liabilities
$40,763Total equity capital
$40,763Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$40,301Surplus
$462Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,891Income earned, not collected on loans
$0Earning assets
$1,204Long-term assets (5+ years)
$421,616Average Assets, year-to-date
$162,805Average Assets, quarterly
$458,809Volatile liabilities
$463,564Insider loans
$244,879FHLB advances
$458,221Loans and leases held for sale
$9,676Unused loan commitments
$9,676Tier 1 (core) risk-based capital
$40,301Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$34,840Restructured Loans and leases
$459Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,971Total interest income
$3,795Total interest expense
$12,176Net interest income
$430Provision for loan and lease losses
$3,460Total noninterest income
$0Fiduciary activities
$1,837Service charges on deposit accounts
$0Trading account gains & fees
$1,623Additional noninterest income
$13,126Total noninterest expense
$6,669Salaries and employee benefits
$2,316Premises and equipment expense
$4,141Additional noninterest expense
$2,080Pre-tax net operating income
$88Securities gains (losses)
$221Applicable income taxes
$1,947Income before extraordinary items
$0Extraordinary gains - net
$1,947Net income attributable to bank
$0Net charge-offs
$1,947Cash dividends
$74Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.84%Yield on earning assets
0.91%Cost of funding earning assets
2.93%Net interest margin
0.83%Noninterest income to earning assets
3.16%Noninterest expense to earning assets
0.41%Net operating income to assets
0.42%Return on assets (ROA)
0.47%Pretax return on assets
4.96%Return on equity (ROE)
4.96%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
581.08%Credit loss provision to net charge-offs
33.92%Efficiency ratio
83,947Assets per employee
5.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.65%Loss allowance to noncurrent loans
31.95%Noncurrent assets plus other real estate owned to assets
1.33%Noncurrent loans to loans
2.04%Net loans and leases to deposits
68.12%Net loans and leases to core deposits
71.49%Equity capital to assets
8.74%Core capital (leverage) ratio
8.80%Tier 1 risk-based capital ratio
16.46%Total risk-based capital ratio
Memoranda
$17Average assets
$458,809Average earning assets
$39,230Average equity
$415,550Average loans

List of branches

9 Massachusetts Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17849	North Easton Savings Bank	20 Eastman Street, South Easton, MA 2375	Febuary 08, 1864	Full Service Brick and Mortar
1	291389	Norton Branch	25 West Main Street, Norton, MA 2766	Febuary 03, 1975	Full Service Brick and Mortar
3	291391	South Easton Branch	679 Depot Street, South Easton, MA 2375	January 15, 1986	Full Service Brick and Mortar
4	291392	Mansfield Branch	71 Copeland Drive, Mansfield, MA 2048	June 13, 1994	Full Service Brick and Mortar
5	291393	547 Washington Street Branch	547 Washington Street, South Easton, MA 2375	March 16, 1998	Full Service Brick and Mortar
6	358171	Mansfield Avenue Branch	172 Mansfield Avenue, Norton, MA 2766	September 25, 2000	Full Service Brick and Mortar
7	423034	Roche Bros. Supermarket Branch	25 Washington Street, North Easton, MA 2356	October 06, 2003	Full Service Retail
8	455976	North Attleboro Shaws Branch	125 Toner Boulevard, North Attleboro, MA 2760	October 27, 2006	Full Service Retail
10	490691	North Easton Branch	295 Main Street, North Easton, MA 2356	May 15, 2009	Full Service Brick and Mortar

North Easton Savings Bank in South Easton, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

North Easton Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

North Easton Savings Bank in South Easton, Massachusetts (MA)Overview, Financial Summary, Detailed Financial Reports, Branches

North Easton Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

North Easton Savings Bank in South Easton, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches