Federal Savings Bank in Dover, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Federal Savings Bank in Dover, New Hampshire (NH)
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Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29744
    Status: Active
    Federal Reserve ID: 119872
    Date Established: January 01, 1890
    WWW: http://www.fsbdover.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 3997
    FDIC's unique #: 42578
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: August 16, 1951
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 633 Central Avenue, Dover, NH 3820
    County: Strafford
    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): Portsmouth-Rochester, NH-ME (#6450)
    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): Boston-Cambridge-Quincy, MA-NH (#14460)
    CBSA Metro Statistical Area: Boston-Cambridge-Quincy, MA-NH (#14460)
    Core Based Statistical Division: Rockingham County-Strafford County, NH (#40484)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $268.8 mil
    Equity capital: $25.3 mil
    Deposits held in domestic offices: $180.2 mil
    Return on assets (ROA): 0.28% ($0.8 mil)
    Quarterly return on assets: 0.34% ($0.9 mil)
    Return on Equity (ROE): 2.92% ($0.7 mil)
    Quarterly return on equity: 3.55% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.43% ($1,155.8 mil)
    Quarterly Pretax return on assets: 0.43% ($1,155.8 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
  • 75Total employees (full-time equivalent)
  • $268,799Total assets
  • $5,593Cash and due from depository institutions
  • $4,504Interest-bearing balances
  • $15,656Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $233,956Net loans & leases
  • $2,529Loan loss allowance
  • $0Trading account assets
  • $3,499Bank premises and fixed assets
  • $625Other real estate owned
  • $338Goodwill and other intangibles
  • $268,799Life insurance assets
  • $9,132All other assets
  • $243,466Total liabilities and capital
  • $180,207Total liabilities
  • $158,051Total deposits
  • $180,207Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 4984.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $55,500Trading liabilities
  • $0Other borrowed funds
  • $2,775Subordinated debt
  • $25,333All other liabilities
  • $25,333Total equity capital
  • $25,333Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $25,333Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,150Income earned, not collected on loans
  • $0Earning assets
  • $744Long-term assets (5+ years)
  • $254,116Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $264,546Volatile liabilities
  • $266,743Insider loans
  • $178,634FHLB advances
  • $268,765Loans and leases held for sale
  • $3,331Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,299Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,707Restructured Loans and leases
  • $682Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,187Total interest income
  • $2,030Total interest expense
  • $10,157Net interest income
  • $705Provision for loan and lease losses
  • $1,406Total noninterest income
  • $0Fiduciary activities
  • $483Service charges on deposit accounts
  • $0Trading account gains & fees
  • $923Additional noninterest income
  • $9,714Total noninterest expense
  • $6,006Salaries and employee benefits
  • $1,827Premises and equipment expense
  • $1,881Additional noninterest expense
  • $1,144Pre-tax net operating income
  • $0Securities gains (losses)
  • $414Applicable income taxes
  • $730Income before extraordinary items
  • $0Extraordinary gains - net
  • $730Net income attributable to bank
  • $0Net charge-offs
  • $730Cash dividends
  • $503Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 2.92%Return on equity (ROE)
  • 2.92%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 140.16%Credit loss provision to net charge-offs
  • 3.68%Efficiency ratio
  • 84,009Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 117.63%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 0.91%Net loans and leases to deposits
  • 129.83%Net loans and leases to core deposits
  • 134.65%Equity capital to assets
  • 9.42%Core capital (leverage) ratio
  • 9.41%Tier 1 risk-based capital ratio
  • 14.16%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $264,546Average earning assets
  • $24,966Average equity
  • $250,441Average loans

List of branches

  • 5 New Hampshire Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042578Federal Savings Bank633 Central Avenue, Dover, NH 3820January 01, 1890Full Service Brick and Mortar
    100277038Rt 125 Barrington BranchRte. 125, Barrington, NH 3825January 01, 1890Full Service Brick and Mortar
    102277039Durham Shopping Plaza Branch7a Mill Road, Durham, NH 3824January 01, 1890Full Service Brick and Mortar
    1032770401 Market Square Branch1650 Woodbury Avenue, Portsmouth, NH 3801June 30, 1987Full Service Brick and Mortar
    10549544517 Wakefield Street Branch17 Wakefield Street, Rochester, NH 3867January 05, 2009Full Service Brick and Mortar

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