CFX Bank in Keene, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 10, 1998

  • CFX Bank in Keene, New Hampshire (NH)
  • Show street view No street view available for this location

CFX Bank - Overview

  • General
  • FDIC Certificate #: 17991
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of New Hampshire (#26990)
    Federal Reserve ID: 557803
    Date Established: January 01, 1897
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 42 (Interstate: No)
    OTS Docket #: 7370
    FDIC's unique #: 11922
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 30, 1959
    Last Structure Change Effective Date: April 10, 1998
    Last Structure Change Process Date: April 22, 1998
    Last Data Update: April 22, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 194 West Street, Keene, NH 3431
    County: Cheshire
    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
    Core Based Statistical Area (CBSA): Keene, NH (#28300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $2,352.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 702Total employees (full-time equivalent)
  • $2,599,587Total assets
  • $187,871Cash and due from depository institutions
  • $35Interest-bearing balances
  • $461,304Securities
  • $31,423Federal funds sold & reverse repurchase agreements
  • $1,777,167Net loans & leases
  • $14,662Loan loss allowance
  • $0Trading account assets
  • $26,550Bank premises and fixed assets
  • $2,670Other real estate owned
  • $12,113Goodwill and other intangibles
  • $0Life insurance assets
  • $100,489All other assets
  • $2,599,587Total liabilities and capital
  • $2,427,673Total liabilities
  • $1,632,164Total deposits
  • $1,473,754Interest-bearing deposits
  • $1,632,164Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $192,738Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $571,645Other borrowed funds
  • $0Subordinated debt
  • $31,126All other liabilities
  • $171,914Total equity capital
  • $171,914Total bank equity capital
  • $171,914Perpetual preferred stock
  • $75Common stock
  • $100Surplus
  • $97,430Undivided profits
  • Memoranda
  • $74,309Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $10,288Earning assets
  • $329Long-term assets (5+ years)
  • $11,408Average Assets, year-to-date
  • $2,269,929Average Assets, quarterly
  • $426,082Volatile liabilities
  • $2,309,279Insider loans
  • $2,514,499FHLB advances
  • $892,783Loans and leases held for sale
  • $994Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $37,737Total risk weighted assets
  • $268,050Total unused commitments
  • $0Restructured Loans and leases
  • $1,603,525Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $169,856Total interest income
  • $90,597Total interest expense
  • $79,259Net interest income
  • $4,428Provision for loan and lease losses
  • $19,018Total noninterest income
  • $113Fiduciary activities
  • $3,786Service charges on deposit accounts
  • $87Trading account gains & fees
  • $15,032Additional noninterest income
  • $70,431Total noninterest expense
  • $25,440Salaries and employee benefits
  • $9,625Premises and equipment expense
  • $35,366Additional noninterest expense
  • $23,418Pre-tax net operating income
  • $2,231Securities gains (losses)
  • $6,432Applicable income taxes
  • $19,217Income before extraordinary items
  • $0Extraordinary gains - net
  • $19,217Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,291Sale, conversion, retirement of capital stock, net
  • $16,484Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.07%Yield on earning assets
  • 4.30%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 11.19%Return on equity (ROE)
  • 1.59%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 193.28%Credit loss provision to net charge-offs
  • 12.15%Efficiency ratio
  • 69,982Assets per employee
  • 3.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.78%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 142.52%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 108.88%Net loans and leases to core deposits
  • 137.04%Equity capital to assets
  • 6.61%Core capital (leverage) ratio
  • 6.82%Tier 1 risk-based capital ratio
  • 10.41%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $2,309,279Average earning assets
  • $171,794Average equity
  • $2,104,839Average loans

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