Bath Savings Institution in city_name, state_name - Detailed Financial Reports, Location

Bath Savings Institution in Bath, Maine (ME)
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Bath Savings Institution routing number info

Bath Savings Institution - Overview

General
FDIC Certificate #: 17749
Status: Active
Federal Reserve ID: 433505
Date Established: April 19, 1852
WWW: http://www.bathsavings.com
Trust Powers Granted: Yes
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 11 (Domestic: 10, Interstate: No)
OTS Docket #: 10960
FDIC's unique #: 11704
Numeric code: 42
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 18, 1957
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 105 Front Street, Bath, ME 4530
County: Sagadahoc
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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $636.7 mil
Equity capital: $68.0 mil
Deposits held in domestic offices: $486.8 mil
Return on assets (ROA): 0.97% ($6.2 mil)
Quarterly return on assets: 1.18% ($7.5 mil)
Return on Equity (ROE): 9.35% ($6.4 mil)
Quarterly return on equity: 11.08% ($7.5 mil)
Net income: $6.0 mil
Quarterly Net income: $1.9 mil
Pretax return on assets: 1.30% ($8,277.7 mil)
Quarterly Pretax return on assets: 1.58% ($10,060.6 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
151Total employees (full-time equivalent)
$636,748Total assets
$52,806Cash and due from depository institutions
$44,934Interest-bearing balances
$173,488Securities
$0Federal funds sold & reverse repurchase agreements
$386,139Net loans & leases
$5,850Loan loss allowance
$0Trading account assets
$11,427Bank premises and fixed assets
$558Other real estate owned
$1,535Goodwill and other intangibles
$636,748Life insurance assets
$10,795All other assets
$568,721Total liabilities and capital
$486,825Total liabilities
$416,606Total deposits
$486,825Interest-bearing deposits
$81Deposits held in domestic offices
7143.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$69,406Trading liabilities
$0Other borrowed funds
$5,347Subordinated debt
$68,027All other liabilities
$68,027Total equity capital
$68,027Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$4,979Surplus
$63,048Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,897Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,733Income earned, not collected on loans
$908Earning assets
$2,603Long-term assets (5+ years)
$604,561Average Assets, year-to-date
$94,612Average Assets, quarterly
$614,382Volatile liabilities
$632,104Insider loans
$390,020FHLB advances
$631,144Loans and leases held for sale
$966Unused loan commitments
$966Tier 1 (core) risk-based capital
$63,441Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$71,508Restructured Loans and leases
$6,332Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$24,423Total interest income
$5,247Total interest expense
$19,176Net interest income
$679Provision for loan and lease losses
$5,236Total noninterest income
$2,145Fiduciary activities
$518Service charges on deposit accounts
$0Trading account gains & fees
$2,573Additional noninterest income
$15,890Total noninterest expense
$8,788Salaries and employee benefits
$2,939Premises and equipment expense
$4,163Additional noninterest expense
$7,843Pre-tax net operating income
$171Securities gains (losses)
$2,053Applicable income taxes
$5,961Income before extraordinary items
$0Extraordinary gains - net
$5,961Net income attributable to bank
$0Net charge-offs
$5,961Cash dividends
$664Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.19%Yield on earning assets
0.90%Cost of funding earning assets
3.29%Net interest margin
0.90%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.95%Net operating income to assets
0.97%Return on assets (ROA)
1.30%Pretax return on assets
9.35%Return on equity (ROE)
9.35%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
102.26%Credit loss provision to net charge-offs
12.83%Efficiency ratio
65,091Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
102.04%Noncurrent assets plus other real estate owned to assets
0.99%Noncurrent loans to loans
1.46%Net loans and leases to deposits
79.32%Net loans and leases to core deposits
93.05%Equity capital to assets
10.68%Core capital (leverage) ratio
10.05%Tier 1 risk-based capital ratio
16.27%Total risk-based capital ratio
Memoranda
$18Average assets
$614,382Average earning assets
$63,725Average equity
$583,001Average 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
YesFiduciary powers granted
YesFiduciary or related activity
$332,067Managed Assets
1Number of Accounts
$295,491Personal trust and agency accounts
$79,246Employee benefit-defined contribution accounts
$20,687Employee benefit-defined benefit accounts
$776Other retirement accounts
$45,163Corporate trust and agency accounts
$0Investment management agency accounts
$149,619Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
973Number of Accounts
$0Personal trust and agency accounts
$45,163Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$36,576Other retirement accounts
$17,172Corporate trust and agency accounts
$323Other fiduciary accounts
$2,485Fiduciary accounts held in foreign offices

List of branches

11 Maine Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11704	Bath Savings Institution	105 Front Street, Bath, ME 4530	April 19, 1852	Full Service Brick and Mortar
1	242671	Damariscotta Branch	8 Church Street, Damariscotta, ME 4543	January 06, 1969	Full Service Brick and Mortar
2	242672	Brunswick Branch	3 Pleasant Street, Brunswick, ME 4011	June 01, 1987	Full Service Brick and Mortar
3	242673	Falmouth Branch	239 U.S. Route One, Falmouth, ME 4105	September 20, 1993	Full Service Brick and Mortar
4	242674	Freeport Branch	189 Lower Main Street, Freeport, ME 4032	May 16, 1994	Full Service Brick and Mortar
5	242675	Oceanview Retirement Com. Branch	52 Falmouth Road, Falmouth, ME 4105	December 08, 1995	Limited Service Mobile
7	242677	Yarmouth Branch	424 U.S. Route One, Yarmouth, ME 4096	November 18, 1996	Full Service Brick and Mortar
8	242678	Highlands Retire. Community Branch	26 Elm Street, Topsham, ME 4086	October 29, 1997	Limited Service Mobile
9	242679	Boothbay Harbor	1 Todd Ave, Boothbay Harbor, ME 4538	June 21, 1999	Full Service Brick and Mortar
10	428157	Portland Branch	46 Auburn Street, Portland, ME 4103	May 10, 2004	Full Service Brick and Mortar
11	529277	South Portland Branch	225 Ocean Street, South Portland, ME 4106	Febuary 27, 2012	Full Service Brick and Mortar

Bath Savings Institution in Bath, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bath Savings Institution - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Bath Savings Institution in Bath, Maine (ME)Overview, Financial Summary, Detailed Financial Reports, Branches

Bath Savings Institution - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Bath Savings Institution in Bath, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches