Vitals
  • Total Assets
    519.7M 2.5 %
  • Total Deposits
    405.7M 5.4 %
  • Total Net Loans
    392.9M 3.1 %
  • Net Income
    3.3M 0.0 %
  • Book Value
    53.5M 6.5 %
  • Book Value x2
    107.1M 6.5 %
  • Book Value x3
    160.6M 6.5 %
ROAA

.64

ROAE

6.288

Efficiency Ratio

77.6

Net Interest Margin

3.403

Balance Sheet Highlights
Financial Highlights Clinton Savings Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 519,672 761,274
Total Net Loans 392,896 592,852
Total Deposits 405,691 596,855
Total Equity 53,537 82,059
Profitability
Net Income 3,306 4,648
Return on Average Assets .64 .538
Return on Average Equity 6.288 4.944
Net Interest Margin 3.403 3.143
Efficiency Ratio 77.6 77.098
Noninterest Income/Revenue 10.683 14.538
Balance Sheet Ratios
Loan-to-Deposit 96.846 95.714
Securities/Assets .168 .124
Total Equity/Total Assets .103 .108
Tangible Equity/Tangible Assets .102 .106
Capital Adequacy
Tier 1 Common Capital 52,226 80,540
Tier 1 Capital 52,226 80,580
Tier 2 Capital 4,491 5,839
Total Capital 56,717 86,408
Total Risk Weighted Assets 391,787 559,688
Leverage Ratio 10.04 10.827
Common Equity Tier 1 Capital Ratio 13.33 15.478
Tier 1 Capital Ratio 13.33 15.53
Total Capital Ratio 14.48 16.563

Timeline for Clinton Savings Bank

Wachusett Realty Llc

Wachusett Realty Llc became a new subsidiary organization for Clinton Savings Bank.

View Profile Jun 22 2012

Wachusett Financial Services, Inc.

Wachusett Financial Services, Inc. became a new parent organization for Clinton Savings Bank.

View Profile Nov 01 2003

Clinton Security Corp

Clinton Security Corp became a new subsidiary organization for Clinton Savings Bank.

View Profile Nov 01 2003

Green Street Branch

Acquisition: Clinton Savings Bank acquired a new subsidiary, Green Street Branch , 37 years

View Profile Oct 15 1986

Clinton Savings Bank

Clinton Savings Bank was established 172 years ago and is currently headquartered in Clinton, MA.

May 15 1851
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Green Street Branch Seller Discontinued 10/15/1986
Relationships Role Relationship Start Relationship End
Wachusett Financial Services, Inc. Parent 11/1/2003
Clinton Security Corp Subsidary 6/30/2007
Wachusett Realty Llc Subsidary 6/22/2012
Clinton Security Corp Subsidary 11/1/2003 6/29/2007
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