Community Guaranty Savings Bank in Plymouth, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Guaranty Savings Bank - Overview

  • General
  • FDIC Certificate #: 27252
    Status: Active
    Federal Reserve ID: 1216059
    Bank Holding Company (Regulatory Top Holder): Community Guaranty Corporation (RSSDID: 3207686, Location: Plymouth, NH)
    Date Established: May 23, 1988
    WWW: http://www.cgsb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12463
    FDIC's unique #: 39339
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: May 23, 1988
    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: 28 Main Street, Plymouth, NH 3264
    County: Grafton
    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): Claremont-Lebanon, NH-VT (#180)
    Core Based Statistical Area (CBSA): Lebanon, NH-VT (#30100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $106.7 mil
    Equity capital: $9.3 mil
    Deposits held in domestic offices: $91.5 mil
    Return on assets (ROA): 0.43% ($0.5 mil)
    Quarterly return on assets: 0.30% ($0.3 mil)
    Return on Equity (ROE): 5.13% ($0.5 mil)
    Quarterly return on equity: 3.41% ($0.3 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.37% ($394.6 mil)
    Quarterly Pretax return on assets: 0.19% ($202.6 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
  • 32Total employees (full-time equivalent)
  • $106,657Total assets
  • $1,878Cash and due from depository institutions
  • $113Interest-bearing balances
  • $30,782Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $66,535Net loans & leases
  • $609Loan loss allowance
  • $0Trading account assets
  • $3,411Bank premises and fixed assets
  • $15Other real estate owned
  • $101Goodwill and other intangibles
  • $106,657Life insurance assets
  • $3,935All other assets
  • $97,373Total liabilities and capital
  • $91,476Total liabilities
  • $82,264Total deposits
  • $91,476Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,741Trading liabilities
  • $0Other borrowed funds
  • $1,156Subordinated debt
  • $9,284All other liabilities
  • $9,284Total equity capital
  • $9,284Total bank equity capital
  • $0Perpetual preferred stock
  • $207Common stock
  • $4,790Surplus
  • $4,287Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $471Income earned, not collected on loans
  • $0Earning assets
  • $369Long-term assets (5+ years)
  • $97,430Average Assets, year-to-date
  • $40,632Average Assets, quarterly
  • $104,783Volatile liabilities
  • $106,338Insider loans
  • $76,022FHLB advances
  • $105,982Loans and leases held for sale
  • $1,727Unused loan commitments
  • $1,314Tier 1 (core) risk-based capital
  • $8,357Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $413Total unused commitments
  • $8,257Restructured Loans and leases
  • $703Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,663Total interest income
  • $1,095Total interest expense
  • $3,568Net interest income
  • $326Provision for loan and lease losses
  • $771Total noninterest income
  • $0Fiduciary activities
  • $244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $527Additional noninterest income
  • $3,728Total noninterest expense
  • $2,084Salaries and employee benefits
  • $723Premises and equipment expense
  • $921Additional noninterest expense
  • $285Pre-tax net operating income
  • $103Securities gains (losses)
  • -$67Applicable income taxes
  • $455Income before extraordinary items
  • $0Extraordinary gains - net
  • $455Net income attributable to bank
  • $0Net charge-offs
  • $455Cash dividends
  • $432Sale, conversion, retirement of capital stock, net
  • $60Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.74%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 5.13%Return on equity (ROE)
  • 4.46%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • 75.46%Credit loss provision to net charge-offs
  • 1.41%Efficiency ratio
  • 85,918Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.19%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 129.30%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 72.73%Net loans and leases to core deposits
  • 74.58%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 7.89%Tier 1 risk-based capital ratio
  • 10.99%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $104,783Average earning assets
  • $8,864Average equity
  • $95,511Average loans

List of branches

  • 2 New Hampshire Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039339Community Guaranty Savings Bank28 Main Street, Plymouth, NH 3264May 23, 1988Full Service Brick and Mortar
    1261472Campton Branch21 Tower Road, Campton, NH 3223January 18, 2000Full Service Brick and Mortar

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