First Savings and Loan Association of New Hampshire in city_name, state_name

First Savings and Loan Association of New Hampshire in Exeter, New Hampshire (NH)
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First Savings and Loan Association of New Hampshire - Overview

General
FDIC Certificate #: 30646
Status: Inactive
Closing history: Corrections
Acquiring institution: Vermont Federal National Bank (#29649)
Federal Reserve ID: 542470
Date Established: January 01, 1892
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 5682
FDIC's unique #: 43480
Numeric code: 35
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: December 12, 1955
Last Structure Change Effective Date: October 01, 1995
Last Structure Change Process Date: January 03, 1996
Last Data Update: January 31, 1996
Data Source Date: April 05, 2012
Location
Address: 1 Center St, Exeter, NH 3833
County: Rockingham
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
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $277.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$104Total assets
$272,212Cash and due from depository institutions
$7,455Interest-bearing balances
$409Securities
$101,814Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$148,496Loan loss allowance
$1,248Trading account assets
$0Bank premises and fixed assets
$3,492Other real estate owned
$2,146Goodwill and other intangibles
$6,442Life insurance assets
$2,367All other assets
$0Total liabilities and capital
$272,212Total liabilities
$247,748Total deposits
$209,698Interest-bearing deposits
$195,201Deposits held in domestic offices
209698.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$36,793Subordinated debt
$0All other liabilities
$1,257Total equity capital
$1,257Total bank equity capital
$24,464Perpetual preferred stock
$0Common stock
$100Surplus
$12,134Undivided profits
Memoranda
$12,230Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,586Income earned, not collected on loans
$906Earning assets
$250,719Long-term assets (5+ years)
$0Average Assets, year-to-date
$270,850Average Assets, quarterly
$272,989Volatile liabilities
$50,201Insider loans
$0FHLB advances
$36,793Loans and leases held for sale
$0Unused loan commitments
$20,312Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$22,097Total risk weighted assets
$133,511Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$17,222Total interest expense
$7,464Net interest income
$9,758Provision for loan and lease losses
$293Total noninterest income
$1,441Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$1,441Total noninterest expense
$7,696Salaries and employee benefits
$3,319Premises and equipment expense
$1,578Additional noninterest expense
$2,799Pre-tax net operating income
$3,210Securities gains (losses)
$104Applicable income taxes
$1,338Income before extraordinary items
$1,976Extraordinary gains - net
$0Net income attributable to bank
$1,976Net charge-offs
$185Cash dividends
$1,181Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.92%Cost of funding earning assets
3.00%Net interest margin
3.92%Noninterest income to earning assets
0.58%Noninterest expense to earning assets
3.09%Net operating income to assets
0.70%Return on assets (ROA)
0.73%Pretax return on assets
1.22%Return on equity (ROE)
8.28%Retained earnings to average equity (YTD only)
3.33%Net charge-offs to loans
0.12%Credit loss provision to net charge-offs
158.38%Efficiency ratio
66,533Assets per employee
2.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
59.77%Loss allowance to loans
0.83%Loss allowance to noncurrent loans
78.69%Noncurrent assets plus other real estate owned to assets
1.37%Noncurrent loans to loans
1.06%Net loans and leases to deposits
70.81%Net loans and leases to core deposits
75.65%Equity capital to assets
8.99%Core capital (leverage) ratio
8.19%Tier 1 risk-based capital ratio
16.55%Total risk-based capital ratio
Memoranda
$17Average assets
$270,850Average earning assets
$23,878Average equity
$249,012Average loans

First Savings and Loan Association of New Hampshire in Exeter, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Savings and Loan Association of New Hampshire - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

First Savings and Loan Association of New Hampshire in Exeter, New Hampshire (NH)Overview, Financial Summary, Detailed Financial Reports, Branches

First Savings and Loan Association of New Hampshire - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

First Savings and Loan Association of New Hampshire in Exeter, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches