Stoughton Co-operative Bank in Stoughton, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Stoughton Co-operative Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 23Total employees (full-time equivalent)
  • $92,027Total assets
  • $3,960Cash and due from depository institutions
  • $2,057Interest-bearing balances
  • $24,181Securities
  • $1,848Federal funds sold & reverse repurchase agreements
  • $58,299Net loans & leases
  • $556Loan loss allowance
  • $0Trading account assets
  • $1,224Bank premises and fixed assets
  • $65Other real estate owned
  • $55Goodwill and other intangibles
  • $92,027Life insurance assets
  • $2,395All other assets
  • $83,267Total liabilities and capital
  • $69,822Total liabilities
  • $67,907Total deposits
  • $69,822Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,000Trading liabilities
  • $0Other borrowed funds
  • $445Subordinated debt
  • $8,760All other liabilities
  • $8,760Total equity capital
  • $8,760Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $7,892Surplus
  • $868Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $105Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $803Income earned, not collected on loans
  • $0Earning assets
  • $344Long-term assets (5+ years)
  • $86,385Average Assets, year-to-date
  • $49,109Average Assets, quarterly
  • $93,246Volatile liabilities
  • $93,215Insider loans
  • $43,209FHLB advances
  • $91,889Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,219Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,355Restructured Loans and leases
  • $1,658Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,004Total interest income
  • $1,191Total interest expense
  • $2,813Net interest income
  • $54Provision for loan and lease losses
  • $160Total noninterest income
  • $0Fiduciary activities
  • $47Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $2,443Total noninterest expense
  • $1,310Salaries and employee benefits
  • $314Premises and equipment expense
  • $819Additional noninterest expense
  • $476Pre-tax net operating income
  • $0Securities gains (losses)
  • $143Applicable income taxes
  • $333Income before extraordinary items
  • $0Extraordinary gains - net
  • $333Net income attributable to bank
  • $0Net charge-offs
  • $333Cash dividends
  • $80Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 3.98%Return on equity (ROE)
  • 3.98%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 67.50%Credit loss provision to net charge-offs
  • 6.63%Efficiency ratio
  • 82,173Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 69.24%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 83.50%Net loans and leases to core deposits
  • 87.15%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 19.02%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $93,246Average earning assets
  • $8,362Average equity
  • $87,602Average loans

List of branches

  • 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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