Stoughton Co-operative Bank in Stoughton, Massachusetts (MA)

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Stoughton Co-operative Bank
GeneralFDIC Certificate #: 26513
Status: Active
Federal Reserve ID: 164975
Date Established: January 01, 1886
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 33215
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: January 21, 1986
Last Structure Change Effective Date: October 26, 2006
Last Structure Change Process Date: October 26, 2006
Last Data Update: October 26, 2006
Data Source Date: April 05, 2012
LocationAddress: 950 Park Street, Stoughton, MA 2072
County: Norfolk
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
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)
Financial SummaryTotal assets: $92.0 mil
Equity capital: $8.8 mil
Deposits held in domestic offices: $69.8 mil
Return on assets (ROA): 0.36% ($0.3 mil)
Quarterly return on assets: 0.40% ($0.4 mil)
Return on Equity (ROE): 3.98% ($0.4 mil)
Quarterly return on equity: 4.27% ($0.4 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.51% ($469.3 mil)
Quarterly Pretax return on assets: 0.58% ($533.8 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)23
Total assets$92,027
Cash and due from depository institutions$3,960
Interest-bearing balances$2,057
Federal funds sold & reverse repurchase agreements$1,848
Net loans & leases$58,299
Loan loss allowance $556
Trading account assets$0
Bank premises and fixed assets$1,224
Other real estate owned$65
Goodwill and other intangibles$55
All other assets$2,395
Life insurance assets$92,027
Total liabilities and capital$83,267
Total liabilities$69,822
Total deposits$67,907
Interest-bearing deposits$69,822
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,000
Other borrowed funds $0
Subordinated debt $445
All other liabilities $8,760
Total equity capital$8,760
Total bank equity capital$8,760
Perpetual preferred stock$0
Common stock$0
Undivided profits $868
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $105
Income earned, not collected on loans $803
Earning assets $0
Long-term assets (5+ years) $344
Average Assets, year-to-date $86,385
Average Assets, quarterly $49,109
Volatile liabilities $93,246
Insider loans $93,215
FHLB advances $43,209
Loans and leases held for sale $91,889
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,219
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,355
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,004
Total interest expense $1,191
Net interest income $2,813
Provision for loan and lease losses $54
Total noninterest income $160
Fiduciary activities $0
Service charges on deposit accounts $47
Trading account gains & fees $0
Additional noninterest income $113
Total noninterest expense $2,443
Salaries and employee benefits $1,310
Premises and equipment expense $314
Additional noninterest expense $819
Pre-tax net operating income $476
Securities gains (losses) $0
Applicable income taxes $143
Income before extraordinary items $333
Extraordinary gains - net $0
Net income attributable to bank $333
Net charge-offs $0
Cash dividends $333
Sale, conversion, retirement of capital stock, net $80
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 assets4.57%
Cost of funding earning assets 1.36%
Net interest margin 3.21%
Noninterest income to earning assets 0.18%
Noninterest expense to earning assets 2.79%
Net operating income to assets 0.36%
Return on assets (ROA) 0.36%
Pretax return on assets 0.51%
Return on equity (ROE) 3.98%
Retained earnings to average equity (YTD only) 3.98%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 67.50%
Efficiency ratio6.63%
Assets per employee$82,173
Cash dividends to net income (YTD only)4.00%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.94%
Noncurrent assets plus other real estate owned to assets 69.24%
Noncurrent loans to loans 0.94%
Net loans and leases to deposits1.36%
Net loans and leases to core deposits 83.50%
Equity capital to assets 87.15%
Core capital (leverage) ratio 9.52%
Tier 1 risk-based capital ratio 8.94%
Total risk-based capital ratio 19.02%
Average assets$20
Average earning assets$93,246
Average equity $8,362
Average loans $87,602
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2 Massachusetts Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
033215Stoughton Co-Operative Bank950 Park Street, Stoughton, MA 2072January 01, 1886Full Service Brick and Mortar
2259628Park Street Branch20 Park Street, Stoughton, MA 2072Febuary 21, 1989Full Service Brick and Mortar
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