Bank of America on 64 Cherry St in Ludlow, Massachusetts (MA)

Bank of America on 64 Cherry St in Ludlow, MA

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Welcome to Bank of America (Banks) on 64 Cherry St in Ludlow, Massachusetts. This bank is listed on Bank Map under Banks - All - Banks. You can reach us on phone number (413) 589-0567. Our office is located on 64 Cherry St, Ludlow, MA.

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Bank of America Branch Overview

Available accounts

CDs
Checking
Credit Cards
Debit Cards
Health Savings Account (HSAs)
IRAs
Savings

Contact details

Address
Bank of America
64 Cherry St, Ludlow
01056 MA, USA

Call Us
(413) 589-0567

For full contact details (including navigation data) to this bank have a look at the the column to your right (or scroll if you're viewing this on a mobile device.)

Other banks near 64 Cherry St

United Bank on 459 Main Street (1.5 miles away)
Citizens Bank on 645 Center St (2.1 miles away)
Citizens Bank on 33 Center St (2.1 miles away)
Bank of America on 64 Cherry St (2.1 miles away)
United Bank on 528 Center St (2.1 miles away)
Bank of America on 1889 Wilbraham Rd (3.2 miles away)
United Bank on 1930 Wilbraham Rd (3.2 miles away)
Td Bank on 1800 Boston Rd (3.2 miles away)
Bank of America on 1724 Boston Rd (3.2 miles away)
Citizens Bank on 1283 Memorial Dr (3.7 miles away)
Citizens Bank on 455 Main St (3.9 miles away)
Monson Savings Bank on 100 Post Office Park (3.9 miles away)
Bank of America on 1 Crane Park Dr (3.9 miles away)
Td Bank on 693 Memorial Dr (4.2 miles away)
Peoples Bank on 610 Memorial Dr (4.2 miles away)
Citizens Bank on 672 Memorial Dr (4.2 miles away)
Peoples Bank on 1936 Memorial Dr (4.2 miles away)
Grahams ATm on 289 Carew St (4.9 miles away)
Citizens Bank on 2145 Roosevelt Ave (4.9 miles away)
Bank of America on 1316 Carew St (4.9 miles away)

This Bank of America is located nearby...

Not sure where Bank of America on 64 Cherry St is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.

Chuck E. Cheese's (1.52 miles away / 30 min walk)
Europa (1.72 miles away / 34 min walk)
Interskate South (1.43 miles away / 29 min walk)
Solmar Restaurant & Pub (1.21 miles away / 24 min walk)
Red Robin (1.36 miles away / 27 min walk)
Massachusetts Turnpike (1.48 miles away / 30 min walk)
Red Robin Gourmet Burgers (1.37 miles away / 27 min walk)
Regal Beagle (0.83 miles away / 17 min walk)
Ludlow Country Club (1.25 miles away / 25 min walk)
Soccer City Sports Center (1.42 miles away / 28 min walk)

Corporate overview

Bank of America was founded in 1904 and is currently headquartered in Charlotte, North Carolina. Bank of America currently operates 5,377 branches across 36 states and have 167,162 employees.

Total employees

167,162

Total branches

6,818

Total deposits

$1.09 trillion (The total dollar amount of cash deposits held by Bank Of America end of last financial quarter.)

Total loans

$776 billion (The total dollar amount of loans held by Bank Of America end of last financial quarter.)

FDIC

3510

Year founded

1904

Financial Strength

Texas Ratio

28.77%

Deposit Growth

0.02%

Core Capitalization Ratio

8.96%

Bank Of America Financial Statement

Bank of America
100 North Tryon St
Charlotte, North Carolina 28202
FDIC Certificate #3510
Financial Summary as of 6/30/2013
Source: FDIC Statistics on Depository Institutions
*(All Numbers in Thousands)*
TOTAL ASSETS	$1,429,737,000
Cash and Due from Depository Accounts	$78,162,000
Interest-Bearing Balances	$52,424,000
Securities	$287,978,000
Federal Funds Sold and Reverse Repurchase Agreements	$15,061,000
Net Loans and Leases	$750,815,000
Total Loans	$765,772,000
Loan Loss Allowance	($14,957,000)
Trading Account Assets	$106,805,000
Bank Premises and Fixed Assets	$9,292,000
Other Real Estate Owned	$2,110,000
Goodwill and Other Intangibles	$63,597,000
All Other Assets	$96,831,000
TOTAL LIABILITIES	$1,252,047,000
Total Deposits	$1,090,917,000
Interest-Bearing Deposits	$719,893,000
Deposits Held in Domestic Offices	$1,019,084,000
% Insured	38.42%
Federal Funds Purchased and Repurchase Agreements	$34,528,000
Trading Liabilities	$33,031,000
Other Borrowed Funds	$49,350,000
Subordinated Debt	$9,313,000
All Other Liabilities	$34,908,000
TOTAL EQUITY	$177,690,000
Total Bank Equity Capital	$177,650,000
Perpetual Preferred Stock	$0
Common Stock	$3,020,000
Surplus	$143,957,000
Undivided Profits	$30,673,000
Noncontrolling Interests in Consolidated Subsidiaries	$40,000

INCOME AND EXPENSE
Net Interest Income	$16,685,000
Total Interest Income	$18,205,000
Total Interest Expense	($1,520,000)
Provision For Loan and Lease Losses	($956,000)
Total Noninterest Income	$17,697,000
Fiduciary Activities	$824,000
Service Charges on Deposit Accounts	$2,580,000
Trading Account Gains and Fees	$-311,000
Additional Noninterest Income	$14,604,000
Total Noninterest Expense	($20,306,000)
Salaries and Employee Benefits	($9,286,000)
Premises and Equipment Expense	($2,551,000)
Additional Noninterest Expense	($8,469,000)
Pre-Tax Net Operating Income	$13,120,000
Securities Gains (Losses)	$523,000
Applicable Income Taxes	$4,609,000
Income Before Extraordinary Items	$9,034,000
Extraordinary Gains - Net	$0
Net Income Attributable to Bank	$9,034,000
Net Income Attributable to Noncontrolling Interests	$0
Net Income Attributable to Bank and Noncontrolling Interests	$9,034,000
Net Charge-Offs	$2,164,000
Cash Dividends	$2,957,000
Sale, Conversion, Retirement of Capital Stock, Net	$-72,000
Net Operating Income	$8,688,820

PERFORMANCE AND CONDITION RATIOS
Performance Ratios (%, Annualized)
Yield on Earning Assets	2.92%
Cost of Funding Earning Assets	0.24%
Net Interest Margin	2.67%
Noninterest Income to Average Assets	2.4%
Noninterest Expense to Average Assets	2.75%
Net Operating Income to Assets	1.18%
Return on Assets (ROA)	1.23%
Pretax Return on Assets	1.85%
Return on Equity	10.03%
Retained Earnings to Average Equity (YTD only)	6.74%
Net Charge-offs to Loans	0.55%
Credit Loss Provision to Net Charge-offs	44.18%
Earnings Coverage of Net Loans Charge-Offs	6.5(x)
Efficiency Ratio	58.71%
Assets per employee ($ millions)	$8.553
Cash Dividends to Net Income (YTD only)	32.73%
Condition Ratios (%)
Loss Allowance to Loans	1.91%
Loss Allowance to Noncurrent Loans	29.56%
Noncurrent Assets Plus Other Real Estate Owned to Assets	3.71%
Noncurrent Loans to Loans	6.45%
Net Loans and Lease to Deposits	70.57%
Net Loans and Leases to Core Deposits	78.91%
Equity Capital to Assets	12.43%
Core Capital Ratio	8.96%
Tier 1 Risk-based Capital Ratio	12.28%
Total Risk-based Capital Ratio	14.02%

OTHER KEY FIGURES
Asset-Side
Average Assets	$1,474,656,095
Average Earning Assets	$1,247,544,680
Average Loans	$782,141,273
Noncurrent Loans and Leases	$50,605,000
Noncurrent Loans that are Wholly or Partially Guaranteed by the U.S. Government	$25,473,000
Income Earned, Not Collected on Loans	$2,847,000
Earning Assets	$1,207,364,000
Long-Term Assets (5+ Years)	$502,838,000
Average Assets, YTD	$1,474,656,095
Average Assets, 2 Year	$1,459,019,000
Total Risk Weighted Assets	$1,007,023,000
Adjusted Average Assets for Leverage Capital Purposes	$1,379,545,000
Life Insurance Assets	$19,480,000
General Account Life Insurance Assets	$2,080,000
Separate Account Life Insurance Assets	$17,400,000
Hybrid Account Life Insurance Assets	$0
Insider Loans	$5,000
Loans and Leases Held For Sale	$12,189,000
Liability-Side
Volatile Liabilities	$181,487,000
FHLB Advances	$26,104,000
Unused Loan Commitments	$373,600,000
Total Unused Commitments	$373,600,000
Equity-Side
Average Equity	$180,218,492
Tier 1 (core) Risk-Based Capital	$123,627,000
Tier 2 Risk-Based Capital	$18,873,000
Derivatives	$2,147,483,647

Routing numbers

Bank of America Ludlow routing numbers are listed on this site along with more information about how to find your routing number. Call Bank of America for more information about routing numbers.

Routing numbers to Bank of America in Ludlow are collected manually from the banks official website or provided by the Federal Reserve Financial Services Database.

You can find your paper-, electronic- or wire transfer routing number on the "Information and services" tab in your Online Banking account. See below for a full list of routing numbers by state and by type.

Alabama
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Alaska
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Arizona
Paper (ex. Ordering Checks):	122101706
Electronic (ex. Deposit / Auto Payment):	122101706
Wire Transfer:	026009593

Arkansas
Paper (ex. Ordering Checks):	082000073
Electronic (ex. Deposit / Auto Payment):	082000073
Wire Transfer:	026009593

California, North
Paper (ex. Ordering Checks):	121000358
Electronic (ex. Deposit / Auto Payment):	121000358
Wire Transfer:	026009593

California, South
Paper (ex. Ordering Checks):	122000661
Electronic (ex. Deposit / Auto Payment):	121000358
Wire Transfer:	026009593

Colorado
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Connecticut
Paper (ex. Ordering Checks):	011900571
Electronic (ex. Deposit / Auto Payment):	011900254
Wire Transfer:	026009593

Delaware
Paper (ex. Ordering Checks):	031202084
Electronic (ex. Deposit / Auto Payment):	031202084
Wire Transfer:	026009593

Washington DC
Paper (ex. Ordering Checks):	054001204
Electronic (ex. Deposit / Auto Payment):	054001204
Wire Transfer:	026009593

Florida, East
Paper (ex. Ordering Checks):	063000047
Electronic (ex. Deposit / Auto Payment):	063100277
Wire Transfer:	026009593

Florida, West
Paper (ex. Ordering Checks):	063100277
Electronic (ex. Deposit / Auto Payment):	063100277
Wire Transfer:	026009593

Georgia
Paper (ex. Ordering Checks):	061000052
Electronic (ex. Deposit / Auto Payment):	061000052
Wire Transfer:	026009593

Hawaii
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Idaho
Paper (ex. Ordering Checks):	123103716
Electronic (ex. Deposit / Auto Payment):	123103716
Wire Transfer:	026009593

Illinois
Paper (ex. Ordering Checks):	081904808
Electronic (ex. Deposit / Auto Payment):	081904808
Wire Transfer:	026009593

Illinois - Chicago Metro
Paper (ex. Ordering Checks):	071103619
Electronic (ex. Deposit / Auto Payment):	081904808
Wire Transfer:	026009593

Accounts opened online with Bank of America before 8/23/2008
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Accounts opened online with Bank of America after 8/23/2008
Paper (ex. Ordering Checks):	081904808
Electronic (ex. Deposit / Auto Payment):	081904808
Wire Transfer:	026009593

All other Indiana accounts
Paper (ex. Ordering Checks):	071214579
Electronic (ex. Deposit / Auto Payment):	071214579
Wire Transfer:	026009593

Iowa
Paper (ex. Ordering Checks):	073000176
Electronic (ex. Deposit / Auto Payment):	073000176
Wire Transfer:	026009593

Kansas
Paper (ex. Ordering Checks):	101100045
Electronic (ex. Deposit / Auto Payment):	101100045
Wire Transfer:	026009593

Kentucky
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Louisiana
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Maine
Paper (ex. Ordering Checks):	011200365
Electronic (ex. Deposit / Auto Payment):	011200365
Wire Transfer:	026009593

Maryland
Paper (ex. Ordering Checks):	052001633
Electronic (ex. Deposit / Auto Payment):	052001633
Wire Transfer:	026009593

Massachusetts
Paper (ex. Ordering Checks):	011000138
Electronic (ex. Deposit / Auto Payment):	011000138
Wire Transfer:	026009593

Accounts opened online with Bank of America before 8/23/2008
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Accounts opened online with Bank of America after 8/23/2008
Paper (ex. Ordering Checks):	081904808
Electronic (ex. Deposit / Auto Payment):	081904808
Wire Transfer:	026009593

All other Michigan accounts
Paper (ex. Ordering Checks):	072000805
Electronic (ex. Deposit / Auto Payment):	072000805
Wire Transfer:	026009593

Minnesota
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Mississippi
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Missouri East/St. Louis
Paper (ex. Ordering Checks):	081000032
Electronic (ex. Deposit / Auto Payment):	081000032
Wire Transfer:	026009593

Missouri West/Kansas City
Paper (ex. Ordering Checks):	101000035
Electronic (ex. Deposit / Auto Payment):	081000032
Wire Transfer:	026009593

Montana
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Nebraska
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Nevada
Paper (ex. Ordering Checks):	122400724
Electronic (ex. Deposit / Auto Payment):	122400724
Wire Transfer:	026009593

New Hampshire
Paper (ex. Ordering Checks):	011400495
Electronic (ex. Deposit / Auto Payment):	011400495
Wire Transfer:	026009593

New Jersey
Paper (ex. Ordering Checks):	021200339
Electronic (ex. Deposit / Auto Payment):	021200339
Wire Transfer:	026009593

New Mexico
Paper (ex. Ordering Checks):	107000327
Electronic (ex. Deposit / Auto Payment):	107000327
Wire Transfer:	026009593

New York
Paper (ex. Ordering Checks):	021000322
Electronic (ex. Deposit / Auto Payment):	021000322
Wire Transfer:	026009593

North Carolina
Paper (ex. Ordering Checks):	053000196
Electronic (ex. Deposit / Auto Payment):	053000196
Wire Transfer:	026009593

North Dakota
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Ohio
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Oklahoma
Paper (ex. Ordering Checks):	103000017
Electronic (ex. Deposit / Auto Payment):	103000017
Wire Transfer:	026009593

Oregon
Paper (ex. Ordering Checks):	323070380
Electronic (ex. Deposit / Auto Payment):	323070380
Wire Transfer:	026009593

Pennsylvania
Paper (ex. Ordering Checks):	031202084
Electronic (ex. Deposit / Auto Payment):	031202084
Wire Transfer:	026009593

Rhode Island
Paper (ex. Ordering Checks):	011500010
Electronic (ex. Deposit / Auto Payment):	011500010
Wire Transfer:	026009593

South Carolina
Paper (ex. Ordering Checks):	053904483
Electronic (ex. Deposit / Auto Payment):	053904483
Wire Transfer:	026009593

South Dakota
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Tennessee
Paper (ex. Ordering Checks):	064000020
Electronic (ex. Deposit / Auto Payment):	064000020
Wire Transfer:	026009593

Texas, North
Paper (ex. Ordering Checks):	111000025
Electronic (ex. Deposit / Auto Payment):	111000025
Wire Transfer:	026009593

Texas, South
Paper (ex. Ordering Checks):	113000023
Electronic (ex. Deposit / Auto Payment):	111000025
Wire Transfer:	026009593

Utah
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Vermont
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Virginia
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Washington
Paper (ex. Ordering Checks):	125000024
Electronic (ex. Deposit / Auto Payment):	125000024
Wire Transfer:	026009593

West Virginia
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Wisconsin
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Wyoming
Paper (ex. Ordering Checks):	051000017
Electronic (ex. Deposit / Auto Payment):	051000017
Wire Transfer:	026009593

Job Openings

Open positions for Bank of America in Ludlow.

Consumer Complaint Stats

Product / Complaint category	Complaints in 2013
Mortgage	136
Bank account or service	52
Credit card	15
Consumer loan	3
Debt collection	2
Student loan	1
Money transfers	1

Bank of America Consumer Complaints (Massachusetts, 2013)

Average ratio for Bank of America: 9.37 complaints per branch.These numbers are gathered from the CFPB (Consumer Financial Protection Bureau) to give you a transparent overview of complaints Bank of America in Massachusetts received in 2013.

Having problems with your bank? File a bank account or service complaint here.

Bank of America Bank Hours (Business hours)

These are the bank hours for Bank of America. Call (413) 589-0567 to learn more about office hours. Please note that these bank hours are general and other hours of operation may apply on certain holidays.

Monday 9:00 am - 5:00 pm
Tuesday 9:00 am - 5:00 pm
Wednesday 9:00 am - 5:00 pm
Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00-1:00pm
Sunday closed

Fees, interest rates and costs

There's currently no additional information available about fees or rates for Bank of America.

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Bank of America
on 64 Cherry St in Ludlow, MA