Connecticut River Bank, National Association in city_name, state_name

Connecticut River Bank, National Association in Springfield, Vermont (VT), NH
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Connecticut River Bank, National Association routing number info

Connecticut River Bank, National Association - Overview

General
FDIC Certificate #: 6209
Status: Active
Federal Reserve ID: 40707
Bank Holding Company (Regulatory Top Holder): Connecticut River Bancorp, Inc. (RSSDID: 1114502, Location: Charlestown, NH)
Date Established: January 01, 1864
WWW: http://www.crbna.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 11 (Domestic: 11, Interstate: Yes)
OTS Docket #: 9179
FDIC's unique #: 4186
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 16, 2008
Last Structure Change Process Date: July 16, 2008
Last Data Update: July 16, 2008
Data Source Date: April 05, 2012
Location
Address: 242 River Street, Springfield, VT 5156
County: Windsor
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Springfield Ma
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Combined Statistical Area (CSA): Claremont-Lebanon, NH-VT (#180)
Core Based Statistical Area (CBSA): Lebanon, NH-VT (#30100)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $267.5 mil
Equity capital: $21.4 mil
Deposits held in domestic offices: $242.4 mil
Return on assets (ROA): 0.36% ($1.0 mil)
Quarterly return on assets: 0.45% ($1.2 mil)
Return on Equity (ROE): 4.50% ($0.9 mil)
Quarterly return on equity: 5.62% ($1.2 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.50% ($1,337.3 mil)
Quarterly Pretax return on assets: 0.64% ($1,711.8 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, 2011)

Dollar figures in thousands
92Total employees (full-time equivalent)
$267,468Total assets
$52,573Cash and due from depository institutions
$46,475Interest-bearing balances
$31,484Securities
$0Federal funds sold & reverse repurchase agreements
$168,899Net loans & leases
$2,491Loan loss allowance
$0Trading account assets
$7,154Bank premises and fixed assets
$461Other real estate owned
$538Goodwill and other intangibles
$267,468Life insurance assets
$6,359All other assets
$246,045Total liabilities and capital
$242,351Total liabilities
$181,656Total deposits
$242,351Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,122Trading liabilities
$0Other borrowed funds
$572Subordinated debt
$21,423All other liabilities
$21,423Total equity capital
$21,423Total bank equity capital
$0Perpetual preferred stock
$686Common stock
$2,751Surplus
$17,986Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,207Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,664Income earned, not collected on loans
$124Earning assets
$733Long-term assets (5+ years)
$246,858Average Assets, year-to-date
$83,245Average Assets, quarterly
$264,147Volatile liabilities
$267,334Insider loans
$169,031FHLB advances
$269,737Loans and leases held for sale
$2,429Unused loan commitments
$2,429Tier 1 (core) risk-based capital
$21,015Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$28,845Restructured Loans and leases
$263Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,643Total interest income
$1,818Total interest expense
$8,825Net interest income
$604Provision for loan and lease losses
$2,435Total noninterest income
$0Fiduciary activities
$915Service charges on deposit accounts
$0Trading account gains & fees
$1,520Additional noninterest income
$9,334Total noninterest expense
$5,368Salaries and employee benefits
$1,471Premises and equipment expense
$2,495Additional noninterest expense
$1,322Pre-tax net operating income
$0Securities gains (losses)
$373Applicable income taxes
$949Income before extraordinary items
$0Extraordinary gains - net
$949Net income attributable to bank
$0Net charge-offs
$949Cash dividends
$329Sale, conversion, retirement of capital stock, net
$569Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
0.74%Cost of funding earning assets
3.60%Net interest margin
0.99%Noninterest income to earning assets
3.81%Noninterest expense to earning assets
0.36%Net operating income to assets
0.36%Return on assets (ROA)
0.50%Pretax return on assets
4.50%Return on equity (ROE)
1.80%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
183.59%Credit loss provision to net charge-offs
5.85%Efficiency ratio
82,895Assets per employee
2.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
59.96%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
149.70%Noncurrent assets plus other real estate owned to assets
0.79%Noncurrent loans to loans
0.97%Net loans and leases to deposits
69.69%Net loans and leases to core deposits
77.16%Equity capital to assets
8.01%Core capital (leverage) ratio
7.79%Tier 1 risk-based capital ratio
12.43%Total risk-based capital ratio
Memoranda
$14Average assets
$264,147Average earning assets
$21,099Average equity
$244,823Average loans

List of branches

10 New Hampshire Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
2	208972	Fall Mountain Branch	Route 123, Langdon, NH 3602	May 21, 1979	Full Service Brick and Mortar
3	208973	Claremont Branch	137-139 Broad Street, Claremont, NH 3743	October 03, 1983	Full Service Brick and Mortar
5	208975	West Street Branch	255 West Street, Keene, NH 3431	Febuary 02, 1987	Full Service Brick and Mortar
6	208976	Walpole Branch	Main Street, Walpole, NH 3608	July 02, 1990	Full Service Brick and Mortar
7	208977	Charlestown Branch	245 Main Street, Charlestown, NH 3603	October 01, 1996	Full Service Brick and Mortar
9	13423	Littleton, N. H./Branch	8 Main Street, Littleton, NH 3561	August 29, 1966	Full Service Brick and Mortar
10	249001	Lancaster Branch	Routes 2 And 3, North Main Street, Lancaster, NH 3584	October 15, 1984	Full Service Brick and Mortar
11	249003	Bethlehem Branch	2212 Main Street, Bethlehem, NH 3574	September 18, 1989	Full Service Brick and Mortar
12	249004	Meadow Street Branch	618 Meadow Street, Littleton, NH 3561	July 22, 1999	Full Service Brick and Mortar
14	362202	Franconia Branch	Kelly's Foodtown, 347 Main Street, Franconia, NH 3580	July 01, 2000	Full Service Brick and Mortar

1 Vermont Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	4186	Connecticut River Bank, National Association	242 River Street, Springfield, VT 5156	January 01, 1864	Full Service Brick and Mortar

Connecticut River Bank, National Association in Springfield, Vermont (VT), NH
Overview, Financial Summary, Detailed Financial Reports, Branches

Connecticut River Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Connecticut River Bank, National Association in Springfield, Vermont (VT), NHOverview, Financial Summary, Detailed Financial Reports, Branches

Connecticut River Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Connecticut River Bank, National Association in Springfield, Vermont (VT), NH
Overview, Financial Summary, Detailed Financial Reports, Branches