Bellows Falls Trust Company in Bellows Falls, Vermont (VT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 27, 1993

  • Bellows Falls Trust Company in Bellows Falls, Vermont (VT)
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Bellows Falls Trust Company - Overview

  • General
  • FDIC Certificate #: 14146
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Chittenden Trust Company (#14149)
    Federal Reserve ID: 251709
    Date Established: September 01, 1902
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 9068
    FDIC's unique #: 8833
    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: April 27, 1993
    Last Structure Change Process Date: May 26, 1993
    Last Data Update: May 26, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 25 Square, Bellows Falls, VT 5101
    County: Windham
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Springfield Ma
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • Financial Summary
  • Total assets: $74.0 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $66Total assets
  • $72,646Cash and due from depository institutions
  • $3,806Interest-bearing balances
  • $113Securities
  • $3,034Federal funds sold & reverse repurchase agreements
  • $3,281Net loans & leases
  • $58,226Loan loss allowance
  • $800Trading account assets
  • $0Bank premises and fixed assets
  • $1,166Other real estate owned
  • $1,314Goodwill and other intangibles
  • $1,655Life insurance assets
  • $164All other assets
  • $0Total liabilities and capital
  • $72,646Total liabilities
  • $67,710Total deposits
  • $66,908Interest-bearing deposits
  • $57,370Deposits held in domestic offices
  • 66908.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $524Subordinated debt
  • $0All other liabilities
  • $278Total equity capital
  • $278Total bank equity capital
  • $4,936Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $1,372Undivided profits
  • Memoranda
  • $3,164Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,236Income earned, not collected on loans
  • $416Earning assets
  • $64,654Long-term assets (5+ years)
  • $5,881Average Assets, year-to-date
  • $74,043Average Assets, quarterly
  • $74,433Volatile liabilities
  • $2,321Insider loans
  • $7FHLB advances
  • $0Loans and leases held for sale
  • $6,509Unused loan commitments
  • $2,435Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,852Total risk weighted assets
  • $48,898Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,784Total interest expense
  • $2,548Net interest income
  • $4,236Provision for loan and lease losses
  • $413Total noninterest income
  • $1,988Fiduciary activities
  • $0Service charges on deposit accounts
  • $506Trading account gains & fees
  • $0Additional noninterest income
  • $1,482Total noninterest expense
  • $5,456Salaries and employee benefits
  • $2,407Premises and equipment expense
  • $621Additional noninterest expense
  • $2,428Pre-tax net operating income
  • $355Securities gains (losses)
  • -$259Applicable income taxes
  • $10Income before extraordinary items
  • $86Extraordinary gains - net
  • $0Net income attributable to bank
  • $86Net charge-offs
  • $443Cash dividends
  • $10Sale, 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
  • 10.18%Cost of funding earning assets
  • 3.82%Net interest margin
  • 6.36%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 8.19%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 0.13%Return on equity (ROE)
  • 1.90%Retained earnings to average equity (YTD only)
  • 1.68%Net charge-offs to loans
  • 0.75%Credit loss provision to net charge-offs
  • 93.23%Efficiency ratio
  • 86,954Assets per employee
  • 1.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.63%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 64.72%Noncurrent assets plus other real estate owned to assets
  • 3.51%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 87.02%Net loans and leases to core deposits
  • 89.43%Equity capital to assets
  • 6.79%Core capital (leverage) ratio
  • 6.45%Tier 1 risk-based capital ratio
  • 9.92%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $74,043Average earning assets
  • $4,529Average equity
  • $66,618Average loans

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