Community Bank and Trust Company in Wolfeboro, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 2007

  • Community Bank and Trust Company in Wolfeboro, New Hampshire (NH)
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Community Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 33011
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Ocean Bank (#4264)
    Federal Reserve ID: 1463086
    Date Established: July 18, 1990
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Interstate: No)
    OTS Docket #: 12253
    FDIC's unique #: 46192
    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: July 18, 1990
    Last Structure Change Effective Date: November 01, 2007
    Last Structure Change Process Date: November 27, 2007
    Last Data Update: November 27, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: One Varney Road, Wolfeboro, NH 3894
    County: Carroll
    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: $398.7 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
  • 114Total employees (full-time equivalent)
  • $437,507Total assets
  • $10,261Cash and due from depository institutions
  • $150Interest-bearing balances
  • $7,373Securities
  • $3,651Federal funds sold & reverse repurchase agreements
  • $400,444Net loans & leases
  • $6,124Loan loss allowance
  • $0Trading account assets
  • $7,581Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $8,197All other assets
  • $437,507Total liabilities and capital
  • $393,365Total liabilities
  • $345,528Total deposits
  • $330,612Interest-bearing deposits
  • $345,528Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $344Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $44,552Other borrowed funds
  • $0Subordinated debt
  • $2,941All other liabilities
  • $44,142Total equity capital
  • $44,142Total bank equity capital
  • $44,142Perpetual preferred stock
  • $0Common stock
  • $3,616Surplus
  • $13,878Undivided profits
  • Memoranda
  • $26,648Noncurrent loans and leases
  • $73,423Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,449Earning assets
  • $0Long-term assets (5+ years)
  • $2,196Average Assets, year-to-date
  • $411,618Average Assets, quarterly
  • $8,889Volatile liabilities
  • $432,517Insider loans
  • $436,033FHLB advances
  • $44,916Loans and leases held for sale
  • $2,974Unused loan commitments
  • $43,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $697Total risk weighted assets
  • $73,423Total unused commitments
  • $0Restructured Loans and leases
  • $4,789Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $30,540Total interest income
  • $9,826Total interest expense
  • $20,714Net interest income
  • $175Provision for loan and lease losses
  • $1,292Total noninterest income
  • $0Fiduciary activities
  • $583Service charges on deposit accounts
  • $0Trading account gains & fees
  • $709Additional noninterest income
  • $10,473Total noninterest expense
  • $6,241Salaries and employee benefits
  • $1,075Premises and equipment expense
  • $3,157Additional noninterest expense
  • $11,358Pre-tax net operating income
  • -$6Securities gains (losses)
  • $4,368Applicable income taxes
  • $6,984Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,984Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $225Sale, conversion, retirement of capital stock, net
  • $6,943Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.54%Yield on earning assets
  • 2.43%Cost of funding earning assets
  • 5.11%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 1.62%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 2.62%Pretax return on assets
  • 16.08%Return on equity (ROE)
  • 0.09%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 77.78%Credit loss provision to net charge-offs
  • 51.26%Efficiency ratio
  • 47,592Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.41%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 82.21%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 1.83%Net loans and leases to deposits
  • 115.89%Net loans and leases to core deposits
  • 133.06%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 11.53%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $432,517Average earning assets
  • $43,443Average equity
  • $405,044Average loans

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