Bow Mills Bank and Trust in Bow, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 01, 2007

  • Bow Mills Bank and Trust in Bow, New Hampshire (NH)
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Bow Mills Bank and Trust - Overview

  • General
  • FDIC Certificate #: 27437
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Merrimack County Savings Bank (#17960)
    Federal Reserve ID: 1358696
    Date Established: January 21, 1989
    WWW: http://www.bowmillsbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 9272
    FDIC's unique #: 39911
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 21, 1989
    Last Structure Change Effective Date: May 01, 2007
    Last Structure Change Process Date: June 11, 2007
    Last Data Update: June 11, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 503 South Street, Bow, NH 3304
    County: Merrimack
    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
    Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Concord, NH (#18180)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $123.6 mil

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2006)

  • Dollar figures in thousands
  • 49Total employees (full-time equivalent)
  • $124,719Total assets
  • $5,005Cash and due from depository institutions
  • $818Interest-bearing balances
  • $15,854Securities
  • $4,070Federal funds sold & reverse repurchase agreements
  • $91,507Net loans & leases
  • $1,097Loan loss allowance
  • $0Trading account assets
  • $1,577Bank premises and fixed assets
  • $623Other real estate owned
  • $0Goodwill and other intangibles
  • $2,907Life insurance assets
  • $6,083All other assets
  • $124,719Total liabilities and capital
  • $114,659Total liabilities
  • $114,151Total deposits
  • $98,303Interest-bearing deposits
  • $114,151Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $508All other liabilities
  • $10,060Total equity capital
  • $10,060Total bank equity capital
  • $10,060Perpetual preferred stock
  • $0Common stock
  • $566Surplus
  • $2,560Undivided profits
  • Memoranda
  • $6,934Noncurrent loans and leases
  • $26,039Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $70Earning assets
  • $0Long-term assets (5+ years)
  • $548Average Assets, year-to-date
  • $112,249Average Assets, quarterly
  • $4,562Volatile liabilities
  • $125,001Insider loans
  • $124,507FHLB advances
  • $6,769Loans and leases held for sale
  • $2,946Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $160Total risk weighted assets
  • $26,039Total unused commitments
  • $0Restructured Loans and leases
  • $1,097Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $7,308Total interest income
  • $2,261Total interest expense
  • $5,047Net interest income
  • $258Provision for loan and lease losses
  • $1,643Total noninterest income
  • $411Fiduciary activities
  • $459Service charges on deposit accounts
  • $0Trading account gains & fees
  • $773Additional noninterest income
  • $5,981Total noninterest expense
  • $3,335Salaries and employee benefits
  • $986Premises and equipment expense
  • $1,660Additional noninterest expense
  • $451Pre-tax net operating income
  • $0Securities gains (losses)
  • $84Applicable income taxes
  • $367Income before extraordinary items
  • $0Extraordinary gains - net
  • $367Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $301Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.40%Yield on earning assets
  • 1.98%Cost of funding earning assets
  • 4.42%Net interest margin
  • 1.44%Noninterest income to earning assets
  • 5.24%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 3.75%Return on equity (ROE)
  • 3.75%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 85.71%Credit loss provision to net charge-offs
  • 2.36%Efficiency ratio
  • 89,402Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 1567.14%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 80.16%Net loans and leases to core deposits
  • 85.22%Equity capital to assets
  • 8.07%Core capital (leverage) ratio
  • 8.27%Tier 1 risk-based capital ratio
  • 10.50%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $125,001Average earning assets
  • $9,795Average equity
  • $114,226Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $53,573Managed Assets
  • 1Number of Accounts
  • $50,410Personal trust and agency accounts
  • $4,331Employee benefit-defined contribution accounts
  • $1,591Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,829Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $36,659Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 153Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,163Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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