Vitals
  • Total Assets
    1.1B 4.8 %
  • Total Deposits
    905.0M 4.5 %
  • Total Net Loans
    812.8M 8.7 %
  • Net Income
    5.3M 17.6 %
  • Book Value
    120.8M 4.8 %
  • Book Value x2
    241.6M 4.8 %
  • Book Value x3
    362.4M 4.8 %
ROAA

.518

ROAE

4.485

Efficiency Ratio

76.247

Net Interest Margin

3.424

Balance Sheet Highlights
Financial Highlights The Lowell Five Cent Savings Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 1,063,673 761,274
Total Net Loans 812,792 592,852
Total Deposits 904,959 596,855
Total Equity 120,805 82,059
Profitability
Net Income 5,334 4,648
Return on Average Assets .518 .538
Return on Average Equity 4.485 4.944
Net Interest Margin 3.424 3.143
Efficiency Ratio 76.247 77.098
Noninterest Income/Revenue 10.256 14.538
Balance Sheet Ratios
Loan-to-Deposit 89.815 95.714
Securities/Assets .123 .124
Total Equity/Total Assets .114 .108
Tangible Equity/Tangible Assets .114 .106
Capital Adequacy
Tier 1 Common Capital 123,391 80,540
Tier 1 Capital 123,391 80,580
Tier 2 Capital 9,470 5,839
Total Capital 132,861 86,408
Total Risk Weighted Assets 925,622 559,688
Leverage Ratio 11.77 10.827
Common Equity Tier 1 Capital Ratio 13.33 15.478
Tier 1 Capital Ratio 13.33 15.53
Total Capital Ratio 14.35 16.563

Timeline for The Lowell Five Cent Savings Bank

L5 North Street Holdings, Llc

L5 North Street Holdings, Llc became a new subsidiary organization for The Lowell Five Cent Savings Bank.

View Profile Apr 06 2016

Lowell Five Bancorp Inc

Lowell Five Bancorp Inc became a new parent organization for The Lowell Five Cent Savings Bank.

View Profile Sep 01 2011

Lowell Securities Corporation

Lowell Securities Corporation became a new subsidiary organization for The Lowell Five Cent Savings Bank.

View Profile Sep 01 2011

Merrimack Properties Inc.

Merrimack Properties Inc. became a new subsidiary organization for The Lowell Five Cent Savings Bank.

View Profile Sep 01 2011

Lakeview Investments Inc.

Lakeview Investments Inc. became a new subsidiary organization for The Lowell Five Cent Savings Bank.

View Profile Sep 01 2010

Want to see more?

Complete timeline for The Lowell Five Cent Savings Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
City Institution For Savings Seller Discontinued 5/18/1962
Merrimack River Saving Bank Seller Discontinued 6/1/1960
Relationships Role Relationship Start Relationship End
Lowell Five Bancorp Inc Parent 9/1/2011
Lowell Securities Corporation Subsidary 9/1/2011
Merrimack Properties Inc. Subsidary 9/1/2011
Lakeview Investments Inc. Subsidary 9/1/2010
L5 North Street Holdings, Llc Subsidary 4/6/2016
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