Peoples Federal Savings Bank in Brighton, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Federal Savings Bank in Brighton, Massachusetts (MA)
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Peoples Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29861
    Status: Active
    Federal Reserve ID: 991470
    Date Established: January 01, 1916
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 4223
    FDIC's unique #: 42695
    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: June 19, 1937
    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: 435 Market St, Brighton, MA 2135
    County: Suffolk
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: North 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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $552.3 mil
    Equity capital: $82.0 mil
    Deposits held in domestic offices: $439.6 mil
    Return on assets (ROA): 0.61% ($3.4 mil)
    Quarterly return on assets: 0.67% ($3.7 mil)
    Return on Equity (ROE): 4.14% ($3.4 mil)
    Quarterly return on equity: 4.55% ($3.7 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.02% ($5,633.2 mil)
    Quarterly Pretax return on assets: 1.08% ($5,964.6 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
  • 72Total employees (full-time equivalent)
  • $552,279Total assets
  • $39,928Cash and due from depository institutions
  • $31,560Interest-bearing balances
  • $66,478Securities
  • $198Federal funds sold & reverse repurchase agreements
  • $408,691Net loans & leases
  • $3,498Loan loss allowance
  • $0Trading account assets
  • $3,761Bank premises and fixed assets
  • $0Other real estate owned
  • $146Goodwill and other intangibles
  • $552,279Life insurance assets
  • $33,077All other assets
  • $470,292Total liabilities and capital
  • $439,620Total liabilities
  • $372,361Total deposits
  • $439,620Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,207Trading liabilities
  • $0Other borrowed funds
  • $5,465Subordinated debt
  • $81,987All other liabilities
  • $81,987Total equity capital
  • $81,987Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $32,000Surplus
  • $49,986Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,920Income earned, not collected on loans
  • $0Earning assets
  • $1,469Long-term assets (5+ years)
  • $506,927Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $540,295Volatile liabilities
  • $553,035Insider loans
  • $358,842FHLB advances
  • $552,196Loans and leases held for sale
  • $18,871Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $81,904Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,982Restructured Loans and leases
  • $1,991Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,460Total interest income
  • $4,122Total interest expense
  • $16,338Net interest income
  • $470Provision for loan and lease losses
  • $1,680Total noninterest income
  • $0Fiduciary activities
  • $188Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,492Additional noninterest income
  • $12,055Total noninterest expense
  • $7,830Salaries and employee benefits
  • $2,130Premises and equipment expense
  • $2,095Additional noninterest expense
  • $5,493Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,174Applicable income taxes
  • $3,319Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,319Net income attributable to bank
  • $0Net charge-offs
  • $3,319Cash dividends
  • $150Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.12%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.29%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 4.14%Return on equity (ROE)
  • 4.14%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 313.33%Credit loss provision to net charge-offs
  • 39.75%Efficiency ratio
  • 66,905Assets per employee
  • 7.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.85%Loss allowance to noncurrent loans
  • 71.10%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 92.96%Net loans and leases to core deposits
  • 96.91%Equity capital to assets
  • 14.85%Core capital (leverage) ratio
  • 14.83%Tier 1 risk-based capital ratio
  • 22.82%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $540,295Average earning assets
  • $80,135Average equity
  • $496,488Average loans

List of branches

  • 7 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042695Peoples Federal Savings Bank435 Market St, Brighton, MA 2135January 01, 1916Full Service Brick and Mortar
    1277516Allston Branch229 North Harvard Street, Allston, MA 2134March 01, 1992Full Service Brick and Mortar
    2277517West Roxbury Branch1905 Centre Street, West Roxbury, MA 2132June 23, 1997Full Service Brick and Mortar
    4464602725 Centre Street725 Centre Street, Jamaica Plain, MA 2130August 12, 2003Full Service Brick and Mortar
    535225Brookline Branch264 Washington Street, Brookline, MA 2445January 01, 1895Full Service Brick and Mortar
    6518128Lenox St Branch61 Lenox St, Norwood, MA 2062April 01, 2005Full Service Brick and Mortar
    7521975West Newton Branch991 Watertown Street, West Newton, MA 2465June 06, 2011Full Service Brick and Mortar

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