BayBank FSB in Nashua, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 25, 1996

  • BayBank FSB in Nashua, New Hampshire (NH)
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BayBank FSB - Overview

  • General
  • FDIC Certificate #: 28654
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BayBank NH, National Association (#20011)
    Federal Reserve ID: 127279
    Date Established: January 01, 1888
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2051
    FDIC's unique #: 41488
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: August 03, 1951
    Last Structure Change Effective Date: October 25, 1996
    Last Structure Change Process Date: November 07, 1996
    Last Data Update: November 07, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 157 Main St, Nashua, NH 3061
    County: Hillsborough
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Concord
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Nashua, NH (#5350)
    Consolidated Metropolitan Statistical Area (CMSA): Boston-Worcester-Lawrence, MA-NH-ME-CT (#7)
    Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Manchester-Nashua, NH (#31700)
    CBSA Metro Statistical Area: Manchester-Nashua, NH (#31700)
  • Financial Summary
  • Total assets: $633.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $146Total assets
  • $668,023Cash and due from depository institutions
  • $13,412Interest-bearing balances
  • $1Securities
  • $81,590Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $513,394Loan loss allowance
  • $8,017Trading account assets
  • $0Bank premises and fixed assets
  • $9,830Other real estate owned
  • $292Goodwill and other intangibles
  • $8,686Life insurance assets
  • $40,819All other assets
  • $0Total liabilities and capital
  • $668,023Total liabilities
  • $579,017Total deposits
  • $518,533Interest-bearing deposits
  • $484,958Deposits held in domestic offices
  • 518533.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $44,742Subordinated debt
  • $0All other liabilities
  • $15,742Total equity capital
  • $15,742Total bank equity capital
  • $89,006Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $90,544Undivided profits
  • Memoranda
  • $-1,539Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,731Income earned, not collected on loans
  • $3,484Earning assets
  • $594,985Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $633,697Average Assets, quarterly
  • $663,141Volatile liabilities
  • $90,027Insider loans
  • $77FHLB advances
  • $18,703Loans and leases held for sale
  • $0Unused loan commitments
  • $90,471Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $48,055Total risk weighted assets
  • $420,361Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,646Total interest expense
  • $11,490Net interest income
  • $12,156Provision for loan and lease losses
  • $150Total noninterest income
  • $1,311Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,311Total noninterest expense
  • $14,999Salaries and employee benefits
  • $3,311Premises and equipment expense
  • $2,132Additional noninterest expense
  • $9,556Pre-tax net operating income
  • -$1,682Securities gains (losses)
  • $174Applicable income taxes
  • -$137Income before extraordinary items
  • -$1,371Extraordinary gains - net
  • $0Net income attributable to bank
  • -$1,371Net charge-offs
  • -$288Cash dividends
  • $300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.07%Cost of funding earning assets
  • 1.98%Net interest margin
  • 2.09%Noninterest income to earning assets
  • 0.23%Noninterest expense to earning assets
  • 2.58%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.22%Pretax return on assets
  • -0.24%Return on equity (ROE)
  • -2.09%Retained earnings to average equity (YTD only)
  • -2.55%Net charge-offs to loans
  • -0.06%Credit loss provision to net charge-offs
  • -52.08%Efficiency ratio
  • 99,480Assets per employee
  • 4.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -21.88%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 91.82%Noncurrent assets plus other real estate owned to assets
  • 1.35%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 99.01%Net loans and leases to core deposits
  • 108.48%Equity capital to assets
  • 13.32%Core capital (leverage) ratio
  • 7.66%Tier 1 risk-based capital ratio
  • 11.43%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $633,697Average earning assets
  • $65,609Average equity
  • $580,512Average loans

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