Southern Connecticut Bancorp (Southern Connecticut Bancorp) 5-Year RORE % : 0.00% (As of Mar. 2013)

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What is Southern Connecticut Bancorp 5-Year RORE %?

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Southern Connecticut Bancorp's 5-Year RORE % for the quarter that ended in Mar. 2013 was 0.00%.

The industry rank for Southern Connecticut Bancorp's 5-Year RORE % or its related term are showing as below:

SSE's 5-Year RORE % is not ranked ^*
in the Banks industry.
Industry Median: 8.655
* Ranked among companies with meaningful 5-Year RORE % only.

Southern Connecticut Bancorp 5-Year RORE % Historical Data

The historical data trend for Southern Connecticut Bancorp's 5-Year RORE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Southern Connecticut Bancorp 5-Year RORE % Chart

Southern Connecticut Bancorp Annual Data

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5-Year RORE %

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Southern Connecticut Bancorp Quarterly Data
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Competitive Comparison of Southern Connecticut Bancorp's 5-Year RORE %

For the Banks - Regional subindustry, Southern Connecticut Bancorp's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Southern Connecticut Bancorp's 5-Year RORE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Southern Connecticut Bancorp's 5-Year RORE % distribution charts can be found below:

* The bar in red indicates where Southern Connecticut Bancorp's 5-Year RORE % falls into.

Southern Connecticut Bancorp 5-Year RORE % Calculation

Southern Connecticut Bancorp's 5-Year RORE % for the quarter that ended in Mar. 2013 is calculated as:

5-Year RORE %	=	( Most Recent EPS (Diluted)	-	First Period EPS (Diluted) )	/	( Cumulative EPS (Diluted) for 5-year	-	Cumulative Dividends per Share for 5-year )
	=	( -0.075	-	-0.93 )	/	( -2.767	-	0 )
	=	0.855	/	-2.767
	=	-30.90 %

In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2013 and 5-year before.

Southern Connecticut Bancorp (DELISTED:SSE) 5-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.

Southern Connecticut Bancorp 5-Year RORE % Related Terms

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Southern Connecticut Bancorp (Southern Connecticut Bancorp) Business Description

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Southern Connecticut Bancorp, Inc., a Connecticut corporation was incorporated on November 8, 2000. It is a bank holding company The Company owns 100% of the capital stock of The Bank of Southern Connecticut (the 'Bank'), a Connecticut-chartered bank. The Bank operates branches at four locations, including downtown New Haven, the Amity/Westville section of New Haven, Branford and North Haven. It focuses on serving the banking needs of small to medium-sized businesses, professionals and professional corporations, and their owners and employees in the Greater New Haven Market. The Bank offers loans to businesses and individuals in its service area, including commercial and business loans, industrial loans, personal loans, commercial and home mortgage loans, home equity loans and automobile loans. The Bank has attracted a base of core deposits, including interest bearing and non-interest bearing checking accounts, money market accounts, savings accounts, sweep accounts, NOW accounts, repurchase agreements, and a variety of certificates of deposits and IRA accounts. The primary sources of deposits have been and are expected to continue to be small to medium-sized businesses, professionals (lawyers, doctors, accountants, etc.) and professional corporations, and their owners and employees. The Bank obtains these deposits through personal solicitation by its officers and directors, outside programs and advertisements published and/or broadcasted in the local media. It offers internet-banking services to its customers, including commercial cash management services and personal banking services. The Bank offers remote deposit capture, which offers check deposit capabilities for customers from their place of business. It also offers drive-in teller services, automated teller services, wire transfer, lock box and safe deposit services. The Bank provides a range of other services and products, including cashier's checks, money orders, travelers' checks, bank-by-mail, direct deposit and U.S. Savings Bonds. It is associated with a shared network of automated teller machines that its customers are able to use throughout Connecticut and other regions. The Company operates in a heavily regulated industry and is subject to increasing regulatory review and scrutiny from the Federal Reserve Board, the Connecticut Banking Commissioner, and the FDIC. There are numerous banks and other financial institutions serving the Greater New Haven Market posing significant competition to attract deposits and loans. The Banks and bank holding companies are extensively regulated under both federal and state law.

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