Pepperell Bank & Trust in Biddeford, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 31, 2007

  • Pepperell Bank & Trust in Biddeford, Maine (ME)
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Pepperell Bank & Trust - Overview

  • General
  • FDIC Certificate #: 12873
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bangor Savings Bank (#18408)
    Federal Reserve ID: 469308
    Date Established: May 15, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 14132
    FDIC's unique #: 8150
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 31, 2007
    Last Structure Change Process Date: September 12, 2007
    Last Data Update: September 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 163 Main Street, Biddeford, ME 4005
    County: York
    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): Portland-Lewiston-South Portland, ME (#438)
    Core Based Statistical Area (CBSA): Portland-South Portland-Biddeford, ME (#38860)
    CBSA Metro Statistical Area: Portland-South Portland-Biddeford, ME (#38860)
  • Financial Summary
  • Total assets: $99.7 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, 2006)

  • Dollar figures in thousands
  • 48Total employees (full-time equivalent)
  • $100,290Total assets
  • $2,451Cash and due from depository institutions
  • $65Interest-bearing balances
  • $28,610Securities
  • $3,448Federal funds sold & reverse repurchase agreements
  • $61,052Net loans & leases
  • $1,043Loan loss allowance
  • $0Trading account assets
  • $3,016Bank premises and fixed assets
  • $0Other real estate owned
  • $83Goodwill and other intangibles
  • $0Life insurance assets
  • $1,630All other assets
  • $100,290Total liabilities and capital
  • $93,932Total liabilities
  • $78,815Total deposits
  • $69,854Interest-bearing deposits
  • $78,815Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,589Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13,127Other borrowed funds
  • $0Subordinated debt
  • $401All other liabilities
  • $6,358Total equity capital
  • $6,358Total bank equity capital
  • $6,358Perpetual preferred stock
  • $0Common stock
  • $702Surplus
  • $7,519Undivided profits
  • Memoranda
  • $-1,863Noncurrent loans and leases
  • $5,396Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $221Earning assets
  • $188Long-term assets (5+ years)
  • $425Average Assets, year-to-date
  • $93,175Average Assets, quarterly
  • $38,140Volatile liabilities
  • $95,597Insider loans
  • $97,785FHLB advances
  • $16,652Loans and leases held for sale
  • $119Unused loan commitments
  • $13,127Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,396Total unused commitments
  • $0Restructured Loans and leases
  • $832Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $5,461Total interest income
  • $3,309Total interest expense
  • $2,152Net interest income
  • -$135Provision for loan and lease losses
  • $217Total noninterest income
  • $10Fiduciary activities
  • $110Service charges on deposit accounts
  • $0Trading account gains & fees
  • $97Additional noninterest income
  • $4,409Total noninterest expense
  • $2,373Salaries and employee benefits
  • $537Premises and equipment expense
  • $1,499Additional noninterest expense
  • -$1,905Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1,905Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,905Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $97Sale, conversion, retirement of capital stock, net
  • $55Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.19%Yield on earning assets
  • 3.75%Cost of funding earning assets
  • 2.44%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 5.00%Noninterest expense to earning assets
  • -1.99%Net operating income to assets
  • -1.99%Return on assets (ROA)
  • -1.99%Pretax return on assets
  • -32.38%Return on equity (ROE)
  • -33.31%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • -139.18%Credit loss provision to net charge-offs
  • -21.03%Efficiency ratio
  • 186,112Assets per employee
  • 2.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -2.89%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 471.95%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 77.46%Net loans and leases to core deposits
  • 95.76%Equity capital to assets
  • 6.34%Core capital (leverage) ratio
  • 6.76%Tier 1 risk-based capital ratio
  • 10.13%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $95,597Average earning assets
  • $5,884Average equity
  • $88,168Average loans

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