Savings Bank of Walpole in Walpole, New Hampshire (NH)



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Savings Bank of Walpole routing number info

Table of contents:
Savings Bank of Walpole
GeneralFDIC Certificate #: 18030
Status: Active
Federal Reserve ID: 598002
Date Established: July 21, 1875
WWW: http://www.walpolebank.com
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)77
Total assets$310,894
Cash and due from depository institutions$58,410
Interest-bearing balances$54,155
Securities$62,155
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$182,031
Loan loss allowance $2,792
Trading account assets$0
Bank premises and fixed assets$4,625
Other real estate owned$193
Goodwill and other intangibles$0
All other assets$3,480
Life insurance assets$310,894
Total liabilities and capital$285,140
Total liabilities$283,404
Total deposits$264,926
Interest-bearing deposits$283,404
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$58
Other borrowed funds $0
Subordinated debt $1,678
All other liabilities $25,754
Total equity capital$25,754
Total bank equity capital$25,754
Perpetual preferred stock$0
Common stock$0
Surplus$9,000
Undivided profits $16,754
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $404
Income earned, not collected on loans $2,995
Earning assets $131
Long-term assets (5+ years) $932
Average Assets, year-to-date $298,341
Average Assets, quarterly $54,742
Volatile liabilities $305,427
Insider loans $312,256
FHLB advances $152,320
Loans and leases held for sale $311,874
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,169
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $30,753
Derivatives$557
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,600
Total interest expense $2,191
Net interest income $8,409
Provision for loan and lease losses $407
Total noninterest income $2,112
Fiduciary activities $0
Service charges on deposit accounts $479
Trading account gains & fees $0
Additional noninterest income $1,633
Total noninterest expense $9,066
Salaries and employee benefits $5,232
Premises and equipment expense $975
Additional noninterest expense $2,859
Pre-tax net operating income $1,048
Securities gains (losses) $245
Applicable income taxes $405
Income before extraordinary items $888
Extraordinary gains - net $0
Net income attributable to bank $888
Net charge-offs $0
Cash dividends $888
Sale, conversion, retirement of capital stock, net $282
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.62%
Cost of funding earning assets 0.75%
Net interest margin 2.87%
Noninterest income to earning assets 0.72%
Noninterest expense to earning assets 3.10%
Net operating income to assets 0.24%
Return on assets (ROA) 0.29%
Pretax return on assets 0.42%
Return on equity (ROE) 3.50%
Retained earnings to average equity (YTD only) 3.50%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 144.33%
Efficiency ratio5.16%
Assets per employee$86,171
Cash dividends to net income (YTD only)4.04%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.51%
Noncurrent assets plus other real estate owned to assets 93.22%
Noncurrent loans to loans 1.03%
Net loans and leases to deposits1.62%
Net loans and leases to core deposits 64.23%
Equity capital to assets 65.59%
Core capital (leverage) ratio 8.28%
Tier 1 risk-based capital ratio 8.07%
Total risk-based capital ratio 16.52%
Memoranda
Average assets$18
Average earning assets$305,427
Average equity $25,361
Average loans $292,694
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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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