Citizens Bank New Hampshire in Manchester, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 2007

  • Citizens Bank New Hampshire in Manchester, New Hampshire (NH)
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Citizens Bank New Hampshire - Overview

  • General
  • FDIC Certificate #: 6214
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: RBS Citizens, National Association (#57957)
    Federal Reserve ID: 62101
    Date Established: January 01, 1864
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 83 (Interstate: No)
    OTS Docket #: 9003
    FDIC's unique #: 4191
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 01, 2007
    Last Structure Change Process Date: September 19, 2007
    Last Data Update: September 19, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 875 Elm Street, Manchester, NH 3105
    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): Manchester, NH (#4760)
    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: $10,077.6 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
  • 935Total employees (full-time equivalent)
  • $10,185,131Total assets
  • $108,398Cash and due from depository institutions
  • $4,686Interest-bearing balances
  • $2,841,802Securities
  • $570,000Federal funds sold & reverse repurchase agreements
  • $5,858,883Net loans & leases
  • $32,885Loan loss allowance
  • $11,436Trading account assets
  • $36,905Bank premises and fixed assets
  • $17,349Other real estate owned
  • $167,828Goodwill and other intangibles
  • $110,579Life insurance assets
  • $572,530All other assets
  • $10,185,131Total liabilities and capital
  • $9,310,514Total liabilities
  • $6,287,697Total deposits
  • $5,915,107Interest-bearing deposits
  • $6,287,697Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,545,026Federal funds purchased & repurchase agreements
  • $5,954Trading liabilities
  • $1,411,605Other borrowed funds
  • $0Subordinated debt
  • $60,232All other liabilities
  • $874,617Total equity capital
  • $874,617Total bank equity capital
  • $874,617Perpetual preferred stock
  • $0Common stock
  • $760Surplus
  • $446,684Undivided profits
  • Memoranda
  • $427,173Noncurrent loans and leases
  • $3,010,597Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,933Earning assets
  • $2,168Long-term assets (5+ years)
  • $43,944Average Assets, year-to-date
  • $9,275,371Average Assets, quarterly
  • $5,169,489Volatile liabilities
  • $9,836,006Insider loans
  • $10,007,030FHLB advances
  • $3,396,688Loans and leases held for sale
  • $35,751Unused loan commitments
  • $1,017,702Tier 1 (core) risk-based capital
  • $2,297,010Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,010,597Total unused commitments
  • $0Restructured Loans and leases
  • $36,505Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $529,071Total interest income
  • $265,484Total interest expense
  • $263,587Net interest income
  • $2,966Provision for loan and lease losses
  • $104,844Total noninterest income
  • $10,133Fiduciary activities
  • $43,232Service charges on deposit accounts
  • $3,272Trading account gains & fees
  • $48,207Additional noninterest income
  • $146,542Total noninterest expense
  • $75,342Salaries and employee benefits
  • $30,133Premises and equipment expense
  • $41,067Additional noninterest expense
  • $218,923Pre-tax net operating income
  • $3,831Securities gains (losses)
  • $75,075Applicable income taxes
  • $147,679Income before extraordinary items
  • $0Extraordinary gains - net
  • $147,679Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $8,885Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.78%Yield on earning assets
  • 2.90%Cost of funding earning assets
  • 2.88%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 1.60%Noninterest expense to earning assets
  • 1.48%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 2.26%Pretax return on assets
  • 18.58%Return on equity (ROE)
  • 18.58%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 33.38%Credit loss provision to net charge-offs
  • 24.97%Efficiency ratio
  • 39,775Assets per employee
  • 10.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.56%Loss allowance to noncurrent loans
  • 474.33%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 93.18%Net loans and leases to core deposits
  • 108.56%Equity capital to assets
  • 8.59%Core capital (leverage) ratio
  • 7.78%Tier 1 risk-based capital ratio
  • 11.87%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $9,836,006Average earning assets
  • $794,814Average equity
  • $9,155,194Average 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
  • $1,369,407Managed Assets
  • 1Number of Accounts
  • $1,265,046Personal trust and agency accounts
  • $524,664Employee benefit-defined contribution accounts
  • $35,432Employee benefit-defined benefit accounts
  • $23,864Other retirement accounts
  • $51,146Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $629,940Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1443Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $104,361Other retirement accounts
  • $46,130Corporate trust and agency accounts
  • $48,407Other fiduciary accounts
  • $9,368Fiduciary accounts held in foreign offices

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