Savings Bank of Walpole in Walpole, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Savings Bank of Walpole in Walpole, New Hampshire (NH)
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Savings Bank of Walpole - Overview

  • General
  • FDIC Certificate #: 18030
    Status: Active
    Federal Reserve ID: 598002
    Date Established: July 21, 1875
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 11959
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 02, 1959
    Last Structure Change Effective Date: July 01, 2008
    Last Structure Change Process Date: November 13, 2008
    Last Data Update: November 13, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 68 Ames Plaza Lane, Walpole, NH 3608
    County: Cheshire
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Concord
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): Keene, NH (#28300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $310.9 mil
    Equity capital: $25.8 mil
    Deposits held in domestic offices: $283.4 mil
    Return on assets (ROA): 0.29% ($0.9 mil)
    Quarterly return on assets: 0.32% ($1.0 mil)
    Return on Equity (ROE): 3.50% ($0.9 mil)
    Quarterly return on equity: 3.84% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.42% ($1,305.8 mil)
    Quarterly Pretax return on assets: 0.47% ($1,461.2 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
  • 77Total employees (full-time equivalent)
  • $310,894Total assets
  • $58,410Cash and due from depository institutions
  • $54,155Interest-bearing balances
  • $62,155Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $182,031Net loans & leases
  • $2,792Loan loss allowance
  • $0Trading account assets
  • $4,625Bank premises and fixed assets
  • $193Other real estate owned
  • $0Goodwill and other intangibles
  • $310,894Life insurance assets
  • $3,480All other assets
  • $285,140Total liabilities and capital
  • $283,404Total liabilities
  • $264,926Total deposits
  • $283,404Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58Trading liabilities
  • $0Other borrowed funds
  • $1,678Subordinated debt
  • $25,754All other liabilities
  • $25,754Total equity capital
  • $25,754Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $9,000Surplus
  • $16,754Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $404Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,995Income earned, not collected on loans
  • $131Earning assets
  • $932Long-term assets (5+ years)
  • $298,341Average Assets, year-to-date
  • $54,742Average Assets, quarterly
  • $305,427Volatile liabilities
  • $312,256Insider loans
  • $152,320FHLB advances
  • $311,874Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,169Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,753Restructured Loans and leases
  • $557Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,600Total interest income
  • $2,191Total interest expense
  • $8,409Net interest income
  • $407Provision for loan and lease losses
  • $2,112Total noninterest income
  • $0Fiduciary activities
  • $479Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,633Additional noninterest income
  • $9,066Total noninterest expense
  • $5,232Salaries and employee benefits
  • $975Premises and equipment expense
  • $2,859Additional noninterest expense
  • $1,048Pre-tax net operating income
  • $245Securities gains (losses)
  • $405Applicable income taxes
  • $888Income before extraordinary items
  • $0Extraordinary gains - net
  • $888Net income attributable to bank
  • $0Net charge-offs
  • $888Cash dividends
  • $282Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.62%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 2.87%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 3.50%Return on equity (ROE)
  • 3.50%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 144.33%Credit loss provision to net charge-offs
  • 5.16%Efficiency ratio
  • 86,171Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 93.22%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.62%Net loans and leases to deposits
  • 64.23%Net loans and leases to core deposits
  • 65.59%Equity capital to assets
  • 8.28%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 16.52%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $305,427Average earning assets
  • $25,361Average equity
  • $292,694Average loans

List of branches

  • 4 New Hampshire Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011959Savings Bank Of Walpole68 Ames Plaza Lane, Walpole, NH 3608July 21, 1875Full Service Brick and Mortar
    2243607Keene Branch84 Marlboro Street, Keene, NH 3431May 05, 1992Full Service Brick and Mortar
    3358523West Street Branch400 West Street, Keene, NH 3431October 30, 2000Full Service Brick and Mortar
    4480341Westminster Street Walpole Branch11 Westminster Street, Walpole, NH 3608July 01, 2008Full Service Brick and Mortar

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