Calais Federal Savings and Loan Association in Calais, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 18, 2007

  • Calais Federal Savings and Loan Association in Calais, Maine (ME)
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Calais Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29756
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Bank of Maine (#19686)
    Federal Reserve ID: 218074
    Date Established: September 25, 1936
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4034
    FDIC's unique #: 42590
    Numeric code: 38
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: September 25, 1936
    Last Structure Change Effective Date: May 18, 2007
    Last Structure Change Process Date: June 12, 2007
    Last Data Update: June 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 344 Main Street, Calais, ME 4619
    County: Washington
    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
  • Financial Summary
  • Total assets: $62.1 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
  • 17Total employees (full-time equivalent)
  • $62,804Total assets
  • $1,853Cash and due from depository institutions
  • $318Interest-bearing balances
  • $303Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,513Net loans & leases
  • $765Loan loss allowance
  • $0Trading account assets
  • $709Bank premises and fixed assets
  • $65Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,361All other assets
  • $62,804Total liabilities and capital
  • $55,236Total liabilities
  • $46,043Total deposits
  • $44,858Interest-bearing deposits
  • $46,043Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $8,100Other borrowed funds
  • $0Subordinated debt
  • $1,093All other liabilities
  • $7,568Total equity capital
  • $7,568Total bank equity capital
  • $7,568Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $7,568Noncurrent loans and leases
  • $1,844Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $244Earning assets
  • $0Long-term assets (5+ years)
  • $239Average Assets, year-to-date
  • $59,134Average Assets, quarterly
  • $0Volatile liabilities
  • $59,468Insider loans
  • $61,978FHLB advances
  • $25,375Loans and leases held for sale
  • $623Unused loan commitments
  • $8,100Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,844Total unused commitments
  • $0Restructured Loans and leases
  • $483Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $3,806Total interest income
  • $1,546Total interest expense
  • $2,260Net interest income
  • $612Provision for loan and lease losses
  • $1,388Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,388Additional noninterest income
  • $2,773Total noninterest expense
  • $1,394Salaries and employee benefits
  • $352Premises and equipment expense
  • $1,027Additional noninterest expense
  • $263Pre-tax net operating income
  • $0Securities gains (losses)
  • $100Applicable income taxes
  • $163Income before extraordinary items
  • $0Extraordinary gains - net
  • $163Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $342Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.78%Yield on earning assets
  • 2.76%Cost of funding earning assets
  • 4.03%Net interest margin
  • 2.47%Noninterest income to earning assets
  • 4.94%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 2.01%Return on equity (ROE)
  • 2.01%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 178.95%Credit loss provision to net charge-offs
  • 2.56%Efficiency ratio
  • 76,014Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 313.52%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 127.08%Net loans and leases to core deposits
  • 203.40%Equity capital to assets
  • 12.05%Core capital (leverage) ratio
  • 12.04%Tier 1 risk-based capital ratio
  • 19.59%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $59,468Average earning assets
  • $8,122Average equity
  • $56,100Average loans

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