Easthampton Savings Bank in city_name, state_name - Detailed Financial Reports, Location

Easthampton Savings Bank in Easthampton, Massachusetts (MA)
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Easthampton Savings Bank routing number info

Easthampton Savings Bank - Overview

General
FDIC Certificate #: 90188
Status: Active
Federal Reserve ID: 859002
Bank Holding Company (Regulatory Top Holder): Esb Bancorp Mhc (RSSDID: 3728930, Location: Easthampton, MA)
Date Established: Febuary 10, 1869
WWW: http://www.bankesb.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 15456
FDIC's unique #: 17779
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: Mortgage Lending Specialization
Date of Deposit Insurance: September 05, 1985
Last Structure Change Effective Date: October 01, 2008
Last Structure Change Process Date: October 14, 2008
Last Data Update: October 14, 2008
Data Source Date: April 05, 2012
Location
Address: 36 Main Street, Easthampton, MA 1027
County: Hampshire
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Springfield Ma
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Springfield, MA (#8000)
Core Based Statistical Area (CBSA): Springfield, MA (#44140)
CBSA Metro Statistical Area: Springfield, MA (#44140)
History of Changes
Name Change
Change in Entity Type
Financial Summary
Total assets: $939.2 mil
Equity capital: $116.3 mil
Deposits held in domestic offices: $757.1 mil
Return on assets (ROA): 0.93% ($8.7 mil)
Quarterly return on assets: 0.98% ($9.2 mil)
Return on Equity (ROE): 7.70% ($8.9 mil)
Quarterly return on equity: 8.01% ($9.3 mil)
Net income: $8.5 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 1.36% ($12,773.7 mil)
Quarterly Pretax return on assets: 1.31% ($12,304.1 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
163Total employees (full-time equivalent)
$939,244Total assets
$20,283Cash and due from depository institutions
$215Interest-bearing balances
$214,923Securities
$1,098Federal funds sold & reverse repurchase agreements
$644,132Net loans & leases
$4,097Loan loss allowance
$0Trading account assets
$16,508Bank premises and fixed assets
$1,326Other real estate owned
$0Goodwill and other intangibles
$939,244Life insurance assets
$40,974All other assets
$822,935Total liabilities and capital
$757,114Total liabilities
$715,459Total deposits
$757,114Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$58,000Trading liabilities
$0Other borrowed funds
$7,821Subordinated debt
$116,309All other liabilities
$116,309Total equity capital
$116,309Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$104,079Surplus
$12,230Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,093Income earned, not collected on loans
$0Earning assets
$3,069Long-term assets (5+ years)
$860,368Average Assets, year-to-date
$625,627Average Assets, quarterly
$915,242Volatile liabilities
$936,826Insider loans
$528,718FHLB advances
$937,077Loans and leases held for sale
$24,064Unused loan commitments
$24,064Tier 1 (core) risk-based capital
$112,596Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$122,773Restructured Loans and leases
$5,785Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$38,442Total interest income
$9,586Total interest expense
$28,856Net interest income
$480Provision for loan and lease losses
$4,737Total noninterest income
$0Fiduciary activities
$2,091Service charges on deposit accounts
$0Trading account gains & fees
$2,646Additional noninterest income
$20,908Total noninterest expense
$10,767Salaries and employee benefits
$2,800Premises and equipment expense
$7,341Additional noninterest expense
$12,205Pre-tax net operating income
$245Securities gains (losses)
$3,933Applicable income taxes
$8,517Income before extraordinary items
$0Extraordinary gains - net
$8,517Net income attributable to bank
$0Net charge-offs
$8,517Cash dividends
$645Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.60%Yield on earning assets
1.15%Cost of funding earning assets
3.45%Net interest margin
0.57%Noninterest income to earning assets
2.50%Noninterest expense to earning assets
0.91%Net operating income to assets
0.93%Return on assets (ROA)
1.36%Pretax return on assets
7.70%Return on equity (ROE)
7.70%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
74.42%Credit loss provision to net charge-offs
19.67%Efficiency ratio
62,239Assets per employee
5.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.63%Loss allowance to noncurrent loans
57.76%Noncurrent assets plus other real estate owned to assets
0.90%Noncurrent loans to loans
1.09%Net loans and leases to deposits
85.08%Net loans and leases to core deposits
94.17%Equity capital to assets
12.38%Core capital (leverage) ratio
12.02%Tier 1 risk-based capital ratio
21.30%Total risk-based capital ratio
Memoranda
$22Average assets
$915,242Average earning assets
$110,572Average equity
$836,069Average loans

List of branches

9 Massachusetts Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17779	Easthampton Savings Bank	36 Main Street, Easthampton, MA 1027	Febuary 10, 1869	Full Service Brick and Mortar
1	291095	Southampton Branch	134 College Highway, Southampton, MA 1073	July 02, 1973	Full Service Brick and Mortar
2	291096	Locust Street Branch	21 Locust Street, Northampton, MA 1060	May 30, 1989	Full Service Brick and Mortar
3	291097	Hadley Branch	70 East Street, Hadley, MA 1035	October 23, 1995	Full Service Brick and Mortar
4	291098	Northampton Branch	297 King Street, Northampton, MA 1060	September 08, 1997	Full Service Brick and Mortar
5	362893	Granby Road Branch	605 Granby Road, South Hadley, MA 1075	January 29, 2002	Full Service Brick and Mortar
6	424800	Belchertown Branch	175 State Street, Belchertown, MA 1007	January 14, 2004	Full Service Brick and Mortar
7	468991	Westfield Branch	85 Broad Street, Westfield, MA 1085	October 22, 2007	Full Service Brick and Mortar
8	518658	Agawam Branch	770 Main Street, Agawam, MA 1001	April 11, 2011	Full Service Brick and Mortar

Olivia Falcone

⚠

Feb 12, 2024 @ 8:08 am

Easthampton Savings Bank has recently undergone a legal name change and will now be bankESB effective 1.29.2024. Please update our bank profile to reflect this change. Thank you!

Easthampton Savings Bank in Easthampton, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Easthampton Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Easthampton Savings Bank in Easthampton, Massachusetts (MA)Overview, Financial Summary, Detailed Financial Reports, Branches

Easthampton Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Easthampton Savings Bank in Easthampton, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches