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
    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

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community Guaranty Savings Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents