The Monadnock Bank in Jaffrey, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 1993

The Monadnock Bank in Jaffrey, New Hampshire (NH)
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The Monadnock Bank - Overview

General
FDIC Certificate #: 6219
Status: Inactive
Closing history: Consolidated - Without Assistance
Acquiring institution: CFX Bank (#17991)
Federal Reserve ID: 556208
Date Established: August 06, 1865
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
FDIC's unique #: 4194
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 12, 1993
Last Structure Change Process Date: August 10, 1993
Last Data Update: August 10, 1993
Data Source Date: April 05, 2012
Location
Address: 87 Main Street, Jaffrey, NH 3452
County: Cheshire
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
Core Based Statistical Area (CBSA): Keene, NH (#28300)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $134.4 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$53Total assets
$136,397Cash and due from depository institutions
$4,089Interest-bearing balances
$0Securities
$21,572Federal funds sold & reverse repurchase agreements
$1,150Net loans & leases
$97,328Loan loss allowance
$2,199Trading account assets
$2,001Bank premises and fixed assets
$3,123Other real estate owned
$3,258Goodwill and other intangibles
$3,063Life insurance assets
$813All other assets
$0Total liabilities and capital
$136,397Total liabilities
$124,318Total deposits
$121,748Interest-bearing deposits
$110,307Deposits held in domestic offices
121748.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$747Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,823Total equity capital
$1,823Total bank equity capital
$12,079Perpetual preferred stock
$0Common stock
$100Surplus
$7,308Undivided profits
Memoranda
$4,671Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,849Income earned, not collected on loans
$601Earning assets
$122,051Long-term assets (5+ years)
$9,356Average Assets, year-to-date
$144,294Average Assets, quarterly
$137,081Volatile liabilities
$6,097Insider loans
$170FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,710Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$11,266Total risk weighted assets
$87,118Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$11,521Total interest expense
$5,486Net interest income
$6,035Provision for loan and lease losses
$920Total noninterest income
$804Fiduciary activities
$0Service charges on deposit accounts
$484Trading account gains & fees
$22Additional noninterest income
$298Total noninterest expense
$5,944Salaries and employee benefits
$2,316Premises and equipment expense
$765Additional noninterest expense
$2,863Pre-tax net operating income
-$25Securities gains (losses)
$183Applicable income taxes
$145Income before extraordinary items
$13Extraordinary gains - net
$0Net income attributable to bank
$13Net charge-offs
$610Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.93%Cost of funding earning assets
4.25%Net interest margin
4.68%Noninterest income to earning assets
0.62%Noninterest expense to earning assets
4.61%Net operating income to assets
-0.07%Return on assets (ROA)
0.01%Pretax return on assets
0.11%Return on equity (ROE)
0.11%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
0.59%Credit loss provision to net charge-offs
150.82%Efficiency ratio
85,436Assets per employee
2.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.21%Loss allowance to noncurrent loans
77.18%Noncurrent assets plus other real estate owned to assets
4.48%Noncurrent loans to loans
2.86%Net loans and leases to deposits
79.94%Net loans and leases to core deposits
83.62%Equity capital to assets
8.86%Core capital (leverage) ratio
8.17%Tier 1 risk-based capital ratio
12.93%Total risk-based capital ratio
Memoranda
$14Average assets
$144,294Average earning assets
$12,046Average equity
$129,021Average loans

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