Rockville Bank in Vernon Rockville, Connecticut (CT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Rockville Bank - Overview

  • General
  • FDIC Certificate #: 18203
    Status: Active
    Federal Reserve ID: 633501
    Bank Holding Company (Regulatory Top Holder): Rockville Financial, Inc. (RSSDID: 2509413, Location: Rockville, CT)
    Date Established: January 01, 1858
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 22 (Domestic: 22, Interstate: No)
    OTS Docket #: 7955
    FDIC's unique #: 12123
    Numeric code: 41
    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: November 30, 2011
    Last Structure Change Process Date: December 05, 2011
    Last Data Update: December 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 25 Park Street, Vernon Rockville, CT 6066
    County: Tolland
    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): Hartford, CT (#3280)
    Combined Statistical Area (CSA): Hartford-West Hartford-Willimantic, CT (#278)
    Core Based Statistical Area (CBSA): Hartford-West Hartford-East Hartford, CT (#25540)
    CBSA Metro Statistical Area: Hartford-West Hartford-East Hartford, CT (#25540)
  • Financial Summary
  • Total assets: $1,748.3 mil
    Equity capital: $242.7 mil
    Deposits held in domestic offices: $1,413.1 mil
    Return on assets (ROA): 0.64% ($11.2 mil)
    Quarterly return on assets: 0.97% ($17.0 mil)
    Return on Equity (ROE): 5.01% ($12.2 mil)
    Quarterly return on equity: 7.00% ($17.0 mil)
    Net income: $11.2 mil
    Quarterly Net income: $4.2 mil
    Pretax return on assets: 0.96% ($16,783.9 mil)
    Quarterly Pretax return on assets: 1.47% ($25,700.4 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
  • 281Total employees (full-time equivalent)
  • $1,748,328Total assets
  • $41,096Cash and due from depository institutions
  • $23,062Interest-bearing balances
  • $160,743Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,457,221Net loans & leases
  • $16,025Loan loss allowance
  • $0Trading account assets
  • $15,340Bank premises and fixed assets
  • $3,008Other real estate owned
  • $1,927Goodwill and other intangibles
  • $1,748,328Life insurance assets
  • $68,993All other assets
  • $1,505,579Total liabilities and capital
  • $1,413,120Total liabilities
  • $1,126,608Total deposits
  • $1,413,120Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $65,882Trading liabilities
  • $0Other borrowed funds
  • $26,577Subordinated debt
  • $242,749All other liabilities
  • $242,749Total equity capital
  • $242,749Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $129,246Surplus
  • $113,503Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,610Income earned, not collected on loans
  • $0Earning assets
  • $4,069Long-term assets (5+ years)
  • $1,641,026Average Assets, year-to-date
  • $818,598Average Assets, quarterly
  • $1,762,846Volatile liabilities
  • $1,747,293Insider loans
  • $1,396,008FHLB advances
  • $1,737,941Loans and leases held for sale
  • $31,326Unused loan commitments
  • $6,285Tier 1 (core) risk-based capital
  • $248,270Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $25,041Total unused commitments
  • $387,478Restructured Loans and leases
  • $4,457Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $75,580Total interest income
  • $17,479Total interest expense
  • $58,101Net interest income
  • $3,021Provision for loan and lease losses
  • $8,500Total noninterest income
  • $0Fiduciary activities
  • $1,956Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,544Additional noninterest income
  • $52,930Total noninterest expense
  • $24,006Salaries and employee benefits
  • $4,320Premises and equipment expense
  • $24,604Additional noninterest expense
  • $10,650Pre-tax net operating income
  • $6,246Securities gains (losses)
  • $5,699Applicable income taxes
  • $11,197Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,197Net income attributable to bank
  • $0Net charge-offs
  • $11,197Cash dividends
  • $1,308Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 5.01%Return on equity (ROE)
  • 5.01%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 230.96%Credit loss provision to net charge-offs
  • 10.45%Efficiency ratio
  • 79,473Assets per employee
  • 6.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 127.08%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 0.86%Net loans and leases to deposits
  • 103.12%Net loans and leases to core deposits
  • 108.86%Equity capital to assets
  • 13.88%Core capital (leverage) ratio
  • 14.29%Tier 1 risk-based capital ratio
  • 17.78%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $1,762,846Average earning assets
  • $223,326Average equity
  • $1,662,075Average loans

List of branches

  • 22 Connecticut Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012123Rockville Bank25 Park Street, Vernon Rockville, CT 6066January 01, 1858Full Service Brick and Mortar
    1244270Somers Branch612 Main Street, Somers, CT 6071April 16, 1970Full Service Brick and Mortar
    2244271Lafayette Branch20 Hyde Avenue, Vernon, CT 6066October 15, 1975Full Service Brick and Mortar
    3244272Vernon Circle BranchRoute 83 And Pitkin Street, Vernon, CT 6066June 01, 1979Full Service Brick and Mortar
    4244273South Windsor Branch869 Sullivan Avenue, South Windsor, CT 6074January 13, 1986Full Service Brick and Mortar
    5244274Ellington Branch12 Main Street, Ellington, CT 6029Febuary 01, 1988Full Service Brick and Mortar
    7241865Enfield Branch231 Hazard Avenue, Enfield, CT 6082June 01, 1984Full Service Brick and Mortar
    8244276Big Y Supermarket Branch234 Tolland Turnpike, Manchester, CT 6040August 14, 1996Full Service Retail
    9244277Big Y Supermarket Br65 Palomba Drive, Enfield, CT 6082November 05, 1998Full Service Retail
    10357125South Windsor Branch1645 Ellington Road, South Windsor, CT 6074August 25, 1999Full Service Brick and Mortar
    11362085Suffield Branch275 Mountain Road, Suffield, CT 6078April 19, 2001Full Service Brick and Mortar
    12362086Manchester Branch341 Broad Street, Manchester, CT 6040May 21, 2001Full Service Brick and Mortar
    14362865Big Y Supermarket Prospect Hill Road67 Prospect Hill Road, East Windsor, CT 6088November 15, 2001Full Service Retail
    15426511Coventry Branch1671 Boston Turnpike, Coventry, CT 6238January 12, 2004Full Service Brick and Mortar
    16430109Tolland Branch6 Fieldstone Road, Tolland, CT 6084March 03, 2004Full Service Brick and Mortar
    17444587Glastonbury Branch1009 Hebron Avenue, Glastonbury, CT 6033August 22, 2005Full Service Brick and Mortar
    18447348South Glastonbury Branch902 Main Street, South Glastonbury, CT 6073January 17, 2006Full Service Brick and Mortar
    19460993Enfield Street Branch660 Enfield Street, Enfield, CT 6082Febuary 26, 2007Full Service Brick and Mortar
    20467929Prospect Hill Branch39 Prospect Hill Road, East Windsor, CT 6088September 13, 2007Full Service Brick and Mortar
    21480032Colchester Branch99 Lindwood Ave, Colchester, CT 6415May 13, 2008Full Service Brick and Mortar
    22493527North Main Street Branch768 North Main Street, Manchester, CT 6040January 28, 2009Full Service Brick and Mortar
    23510944South Windsor High School Branch161 Nevers Road, South Windsor, CT 6074September 02, 2009Limited Service Facility

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