FDIC Certificate #: 35394 Status: Active Federal Reserve ID: 2881445 Date Established: January 12, 2000 WWW:http://www.massmutualtrust.com Trust Powers Granted: Yes Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15930 FDIC's unique #: 79498 Numeric code: 33 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 12, 2000 Last Structure Change Effective Date: Febuary 24, 2012 Last Structure Change Process Date: Febuary 24, 2012 Last Data Update: Febuary 24, 2012 Data Source Date: April 05, 2012
Location
Address: 100 Bright Meadow Boulevard M327, Enfield, CT 6082 County: Hartford Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Hartford Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Hartford, CT (#3280) Combined Statistical Area (CSA): Hartford-West Hartford-Willimantic, CT (#278) Core Based Statistical Area (CBSA): Hartford-West Hartford-East Hartford, CT (#25540) CBSA Metro Statistical Area: Hartford-West Hartford-East Hartford, CT (#25540)
Financial Summary
Total assets: $67.4 mil Equity capital: $14.5 mil Deposits held in domestic offices: $50.5 mil Return on assets (ROA): -0.17% (-$0.1 mil) Quarterly return on assets: 0.19% ($0.1 mil) Return on Equity (ROE): -0.33% (-$0.0 mil) Quarterly return on equity: 0.55% ($0.1 mil) Net income: -$0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: -0.25% (-$168.6 mil) Quarterly Pretax return on assets: 0.33% ($222.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$67,444Total assets
$4,317Cash and due from depository institutions
$0Interest-bearing balances
$62,045Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$67,444Life insurance assets
$1,082All other assets
$52,982Total liabilities and capital
$50,500Total liabilities
$50,500Total deposits
$50,500Interest-bearing deposits
$1Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,482Subordinated debt
$14,462All other liabilities
$14,462Total equity capital
$14,462Total bank equity capital
$0Perpetual preferred stock
$5,500Common stock
$11,000Surplus
$-2,038Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$72Long-term assets (5+ years)
$62,045Average Assets, year-to-date
$0Average Assets, quarterly
$27,064Volatile liabilities
$42,271Insider loans
$11,107FHLB advances
$67,014Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,032Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$423Total interest income
$23Total interest expense
$400Net interest income
$0Provision for loan and lease losses
$6,835Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$6,835Additional noninterest income
$7,462Total noninterest expense
$3,181Salaries and employee benefits
$577Premises and equipment expense
$3,704Additional noninterest expense
-$227Pre-tax net operating income
$160Securities gains (losses)
-$20Applicable income taxes
-$47Income before extraordinary items
$0Extraordinary gains - net
-$47Net income attributable to bank
$0Net charge-offs
-$47Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.72%Yield on earning assets
0.09%Cost of funding earning assets
1.63%Net interest margin
27.79%Noninterest income to earning assets
30.34%Noninterest expense to earning assets
-0.59%Net operating income to assets
-0.17%Return on assets (ROA)
-0.25%Pretax return on assets
-0.33%Return on equity (ROE)
-0.33%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
103,138Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
21.44%Core capital (leverage) ratio
20.94%Tier 1 risk-based capital ratio
126.33%Total risk-based capital ratio
Memoranda
$126Average assets
$27,064Average earning assets
$14,434Average equity
$24,597Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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