Vitals
  • Total Assets
    67.4M -4.5 %
  • Total Deposits
    59.9M -5.2 %
  • Total Net Loans
    40.3M 0.1 %
  • Net Income
    245000.0000 -32.7 %
  • Book Value
    7.4M 2.2 %
  • Book Value x2
    14.8M 2.2 %
  • Book Value x3
    22.1M 2.2 %
ROAA

.75

ROAE

6.654

Efficiency Ratio

74.819

Net Interest Margin

4.75

Balance Sheet Highlights
Financial Highlights Luzo Community Bank All Insured Commercial Banks in Massachusetts
Balance Sheet $(000)
Total Assets 67,425 2,467,983
Total Net Loans 40,339 1,610,758
Total Deposits 59,879 1,784,365
Total Equity 7,375 238,968
Profitability
Net Income 245 31,146
Return on Average Assets .75 1.393
Return on Average Equity 6.654 8.697
Net Interest Margin 4.75 3.512
Efficiency Ratio 74.819 75.182
Noninterest Income/Revenue 4.375 31.935
Balance Sheet Ratios
Loan-to-Deposit 67.368 82.986
Securities/Assets .034 1.216
Total Equity/Total Assets .109 .097
Tangible Equity/Tangible Assets .109 -.045
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 7,407 176,578
Tier 2 Capital 487 47,953
Total Capital 7,894 195,137
Total Risk Weighted Assets 38,708 1,586,125
Leverage Ratio 11.2 11.588
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 19.14 17.499
Total Capital Ratio 20.39 18.478

Timeline for Luzo Community Bank

Fall River Five Cents Savings Bank

Luzo Community Bank was acquired by Fall River Five Cents Savings Bank 16 years

View Profile Sep 22 2007

Bankfive, Mhc

Bankfive, Mhc became a new parent organization for Luzo Community Bank.

View Profile Jul 13 2007

Luzo Securities Inc

Luzo Securities Inc became a new subsidiary organization for Luzo Community Bank.

View Profile May 01 1994

New Bedford Community Bancorp

New Bedford Community Bancorp became a new parent organization for Luzo Community Bank.

View Profile Nov 07 1985

Luzo Community Bank

Luzo Community Bank was established 45 years ago and is currently headquartered in New Bedford, MA.

Mar 14 1979
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Fall River Five Cents Savings Bank Buyer 844,973 Pooling of Interests Discontinued 9/22/2007
Relationships Role Relationship Start Relationship End
Bankfive, Mhc Parent 7/13/2007 9/21/2007
New Bedford Community Bancorp Parent 4/3/2000 7/12/2007
New Bedford Community Bancorp Parent 7/31/1996 4/2/2000
New Bedford Community Bancorp Parent 6/30/1988 7/30/1996
New Bedford Community Bancorp Parent 9/30/1987 6/29/1988
New Bedford Community Bancorp Parent 11/7/1985 9/29/1987
Luzo Securities Inc Subsidary 5/1/1994 9/21/2007
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