FDIC Certificate #: 34167 Status: Active Federal Reserve ID: 616193 Date Established: May 01, 1996 WWW:http://www.monadnockbank.com Trust Powers Granted: No 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 #: 12716 FDIC's unique #: 56824 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: May 01, 1996 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: 1 Jaffrey Rd, Peterborough, NH 3458 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 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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $82.6 mil Equity capital: $7.2 mil Deposits held in domestic offices: $48.9 mil Return on assets (ROA): -2.86% (-$2.4 mil) Quarterly return on assets: -8.26% (-$6.9 mil) Return on Equity (ROE): -30.22% (-$2.1 mil) Quarterly return on equity: -88.36% (-$6.2 mil) Net income: -$2.7 mil Quarterly Net income: -$1.8 mil Pretax return on assets: -2.22% (-$1,833.1 mil) Quarterly Pretax return on assets: -2.89% (-$2,386.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$82,573Total assets
$8,686Cash and due from depository institutions
$7,952Interest-bearing balances
$18,789Securities
$0Federal funds sold & reverse repurchase agreements
$50,771Net loans & leases
$756Loan loss allowance
$0Trading account assets
$676Bank premises and fixed assets
$392Other real estate owned
$17Goodwill and other intangibles
$82,573Life insurance assets
$3,242All other assets
$75,409Total liabilities and capital
$48,943Total liabilities
$45,399Total deposits
$48,943Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$26,234Trading liabilities
$0Other borrowed funds
$232Subordinated debt
$7,164All other liabilities
$7,164Total equity capital
$7,164Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$8,276Surplus
$-1,113Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,023Income earned, not collected on loans
$0Earning assets
$235Long-term assets (5+ years)
$77,512Average Assets, year-to-date
$0Average Assets, quarterly
$93,034Volatile liabilities
$85,274Insider loans
$42,049FHLB advances
$82,373Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,964Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,526Restructured Loans and leases
$55Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,460Total interest income
$1,793Total interest expense
$1,667Net interest income
$1,030Provision for loan and lease losses
$103Total noninterest income
$0Fiduciary activities
$48Service charges on deposit accounts
$0Trading account gains & fees
$55Additional noninterest income
$2,981Total noninterest expense
$1,454Salaries and employee benefits
$414Premises and equipment expense
$1,113Additional noninterest expense
-$2,241Pre-tax net operating income
$173Securities gains (losses)
$589Applicable income taxes
-$2,657Income before extraordinary items
$0Extraordinary gains - net
-$2,657Net income attributable to bank
$0Net charge-offs
-$2,657Cash dividends
$1,357Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.99%Yield on earning assets
2.07%Cost of funding earning assets
1.92%Net interest margin
0.12%Noninterest income to earning assets
3.44%Noninterest expense to earning assets
-3.04%Net operating income to assets
-2.86%Return on assets (ROA)
-2.22%Pretax return on assets
-30.22%Return on equity (ROE)
-30.22%Retained earnings to average equity (YTD only)
2.42%Net charge-offs to loans
75.90%Credit loss provision to net charge-offs
-0.89%Efficiency ratio
168,418Assets per employee
4.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
73.90%Noncurrent assets plus other real estate owned to assets
1.71%Noncurrent loans to loans
1.99%Net loans and leases to deposits
103.73%Net loans and leases to core deposits
103.73%Equity capital to assets
8.68%Core capital (leverage) ratio
8.45%Tier 1 risk-based capital ratio
16.56%Total risk-based capital ratio
Memoranda
$18Average assets
$93,034Average earning assets
$8,793Average equity
$86,670Average loans
List of branches
1 New Hampshire Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
56824
Monadnock Community Bank
1 Jaffrey Rd, Peterborough, NH 3458
May 01, 1996
Full Service Brick and Mortar
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