Concord Savings Bank in Concord, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 29, 1997

  • Concord Savings Bank in Concord, New Hampshire (NH)
  • Show street view No street view available for this location

Concord Savings Bank - Overview

  • General
  • FDIC Certificate #: 18026
    Status: Inactive
    Closing history: Office Purchased
    Acquiring institution: CFX Bank (#17991)
    Federal Reserve ID: 64208
    Date Established: January 01, 1872
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 7712
    FDIC's unique #: 11955
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 02, 1959
    Last Structure Change Effective Date: August 29, 1997
    Last Structure Change Process Date: September 15, 1997
    Last Data Update: January 14, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 43 North Main Street, Concord, NH 3301
    County: Merrimack
    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): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Concord, NH (#18180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Office Purchased
  • Financial Summary
  • Total assets: $492.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $191Total assets
  • $441,738Cash and due from depository institutions
  • $12,587Interest-bearing balances
  • $7Securities
  • $99,902Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $312,722Loan loss allowance
  • $3,024Trading account assets
  • $0Bank premises and fixed assets
  • $8,823Other real estate owned
  • $738Goodwill and other intangibles
  • $4,755Life insurance assets
  • $2,211All other assets
  • $0Total liabilities and capital
  • $441,738Total liabilities
  • $410,302Total deposits
  • $311,596Interest-bearing deposits
  • $284,039Deposits held in domestic offices
  • 311596.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $24,838Trading liabilities
  • $0Other borrowed funds
  • $70,887Subordinated debt
  • $0All other liabilities
  • $2,981Total equity capital
  • $2,981Total bank equity capital
  • $31,436Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $14,250Undivided profits
  • Memoranda
  • $16,986Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $942Income earned, not collected on loans
  • $2,090Earning assets
  • $412,631Long-term assets (5+ years)
  • $27,890Average Assets, year-to-date
  • $431,677Average Assets, quarterly
  • $442,557Volatile liabilities
  • $93,182Insider loans
  • $419FHLB advances
  • $0Loans and leases held for sale
  • $1,755Unused loan commitments
  • $36,857Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $31,217Total risk weighted assets
  • $327,750Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $33,396Total interest expense
  • $17,207Net interest income
  • $16,189Provision for loan and lease losses
  • $1,050Total noninterest income
  • $4,109Fiduciary activities
  • $0Service charges on deposit accounts
  • $716Trading account gains & fees
  • $0Additional noninterest income
  • $3,393Total noninterest expense
  • $13,948Salaries and employee benefits
  • $6,594Premises and equipment expense
  • $2,180Additional noninterest expense
  • $5,174Pre-tax net operating income
  • $5,300Securities gains (losses)
  • $538Applicable income taxes
  • $1,939Income before extraordinary items
  • $3,899Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,899Net charge-offs
  • $1,033Cash dividends
  • $1,264Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.27%Cost of funding earning assets
  • 4.26%Net interest margin
  • 4.01%Noninterest income to earning assets
  • 1.02%Noninterest expense to earning assets
  • 3.45%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 1.35%Return on equity (ROE)
  • 12.99%Retained earnings to average equity (YTD only)
  • 8.78%Net charge-offs to loans
  • 0.35%Credit loss provision to net charge-offs
  • 101.65%Efficiency ratio
  • 66,534Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.42%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 321.02%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 100.36%Net loans and leases to core deposits
  • 108.46%Equity capital to assets
  • 7.12%Core capital (leverage) ratio
  • 7.09%Tier 1 risk-based capital ratio
  • 9.52%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $431,677Average earning assets
  • $30,008Average equity
  • $403,960Average loans

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