FDIC Certificate #: 58741 Status: Active Federal Reserve ID: 3664588 Date Established: April 30, 2008 WWW:http://www.fieldpointprivate.com Trust Powers Granted: Yes Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 18058 FDIC's unique #: 465625 Numeric code: 33 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: Mortgage Lending Specialization Date of Deposit Insurance: April 30, 2008 Last Structure Change Effective Date: April 03, 2012 Last Structure Change Process Date: April 03, 2012 Last Data Update: April 03, 2012 Data Source Date: April 05, 2012
Location
Address: 100 Field Point Road, Greenwich, CT 6830 County: Fairfield Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Hartford Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Stamford-Norwalk, CT (#8040) Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70) Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408) Core Based Statistical Area (CBSA): Bridgeport-Stamford-Norwalk, CT (#14860) CBSA Metro Statistical Area: Bridgeport-Stamford-Norwalk, CT (#14860)
History of Changes
Change in Location
Financial Summary
Total assets: $567.3 mil Equity capital: $77.2 mil Deposits held in domestic offices: $441.2 mil Return on assets (ROA): 0.32% ($1.8 mil) Quarterly return on assets: 0.19% ($1.1 mil) Return on Equity (ROE): 2.30% ($1.8 mil) Quarterly return on equity: 1.34% ($1.0 mil) Net income: $1.6 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.52% ($2,950.0 mil) Quarterly Pretax return on assets: 0.27% ($1,531.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
60Total employees (full-time equivalent)
$567,308Total assets
$1,335Cash and due from depository institutions
$0Interest-bearing balances
$217,097Securities
$33,418Federal funds sold & reverse repurchase agreements
$298,765Net loans & leases
$2,813Loan loss allowance
$0Trading account assets
$2,775Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$567,309Life insurance assets
$13,918All other assets
$490,110Total liabilities and capital
$441,202Total liabilities
$401,893Total deposits
$441,202Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$43,000Trading liabilities
$0Other borrowed funds
$5,908Subordinated debt
$77,199All other liabilities
$77,199Total equity capital
$77,199Total bank equity capital
$0Perpetual preferred stock
$81Common stock
$80,372Surplus
$-3,254Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$2,195Long-term assets (5+ years)
$549,280Average Assets, year-to-date
$0Average Assets, quarterly
$491,671Volatile liabilities
$543,218Insider loans
$344,137FHLB advances
$566,675Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$76,566Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$53,368Restructured Loans and leases
$1,647Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$17,632Total interest income
$2,962Total interest expense
$14,670Net interest income
$355Provision for loan and lease losses
$5,545Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$5,545Additional noninterest income
$17,786Total noninterest expense
$11,177Salaries and employee benefits
$2,254Premises and equipment expense
$4,355Additional noninterest expense
$2,074Pre-tax net operating income
$481Securities gains (losses)
$961Applicable income taxes
$1,594Income before extraordinary items
$0Extraordinary gains - net
$1,594Net income attributable to bank
$0Net charge-offs
$1,594Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.71%Yield on earning assets
0.62%Cost of funding earning assets
3.09%Net interest margin
1.17%Noninterest income to earning assets
3.75%Noninterest expense to earning assets
0.26%Net operating income to assets
0.32%Return on assets (ROA)
0.52%Pretax return on assets
2.30%Return on equity (ROE)
2.30%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
87,984Assets per employee
9.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.93%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
67.72%Net loans and leases to core deposits
202.78%Equity capital to assets
13.61%Core capital (leverage) ratio
13.51%Tier 1 risk-based capital ratio
22.25%Total risk-based capital ratio
Memoranda
$23Average assets
$491,671Average earning assets
$69,221Average equity
$474,628Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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