Connecticut River Bank, National Association in Springfield, Vermont (VT), NH



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Connecticut River Bank, National Association routing number info

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Connecticut River Bank, National Association
GeneralFDIC Certificate #: 6209
Status: Active
Federal Reserve ID: 40707
Bank Holding Company (Regulatory Top Holder): Connecticut River Bancorp, Inc. (RSSDID: 1114502, Location: Charlestown, NH)
Date Established: January 01, 1864
WWW: http://www.crbna.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 11 (Domestic: 11, Interstate: Yes)
OTS Docket #: 9179
FDIC's unique #: 4186
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 16, 2008
Last Structure Change Process Date: July 16, 2008
Last Data Update: July 16, 2008
Data Source Date: April 05, 2012
LocationAddress: 242 River Street, Springfield, VT 5156
County: Windsor
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Springfield Ma
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
Financial SummaryTotal assets: $267.5 mil
Equity capital: $21.4 mil
Deposits held in domestic offices: $242.4 mil
Return on assets (ROA): 0.36% ($1.0 mil)
Quarterly return on assets: 0.45% ($1.2 mil)
Return on Equity (ROE): 4.50% ($0.9 mil)
Quarterly return on equity: 5.62% ($1.2 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.50% ($1,337.3 mil)
Quarterly Pretax return on assets: 0.64% ($1,711.8 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)
Total employees (full-time equivalent)92
Total assets$267,468
Cash and due from depository institutions$52,573
Interest-bearing balances$46,475
Securities$31,484
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$168,899
Loan loss allowance $2,491
Trading account assets$0
Bank premises and fixed assets$7,154
Other real estate owned$461
Goodwill and other intangibles$538
All other assets$6,359
Life insurance assets$267,468
Total liabilities and capital$246,045
Total liabilities$242,351
Total deposits$181,656
Interest-bearing deposits$242,351
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,122
Other borrowed funds $0
Subordinated debt $572
All other liabilities $21,423
Total equity capital$21,423
Total bank equity capital$21,423
Perpetual preferred stock$0
Common stock$686
Surplus$2,751
Undivided profits $17,986
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,207
Income earned, not collected on loans $1,664
Earning assets $124
Long-term assets (5+ years) $733
Average Assets, year-to-date $246,858
Average Assets, quarterly $83,245
Volatile liabilities $264,147
Insider loans $267,334
FHLB advances $169,031
Loans and leases held for sale $269,737
Unused loan commitments $2,429
Tier 1 (core) risk-based capital $2,429
Tier 2 risk-based capital $21,015
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $28,845
Derivatives$263
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,643
Total interest expense $1,818
Net interest income $8,825
Provision for loan and lease losses $604
Total noninterest income $2,435
Fiduciary activities $0
Service charges on deposit accounts $915
Trading account gains & fees $0
Additional noninterest income $1,520
Total noninterest expense $9,334
Salaries and employee benefits $5,368
Premises and equipment expense $1,471
Additional noninterest expense $2,495
Pre-tax net operating income $1,322
Securities gains (losses) $0
Applicable income taxes $373
Income before extraordinary items $949
Extraordinary gains - net $0
Net income attributable to bank $949
Net charge-offs $0
Cash dividends $949
Sale, conversion, retirement of capital stock, net $329
Net operating income $569
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.35%
Cost of funding earning assets 0.74%
Net interest margin 3.60%
Noninterest income to earning assets 0.99%
Noninterest expense to earning assets 3.81%
Net operating income to assets 0.36%
Return on assets (ROA) 0.36%
Pretax return on assets 0.50%
Return on equity (ROE) 4.50%
Retained earnings to average equity (YTD only) 1.80%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 183.59%
Efficiency ratio5.85%
Assets per employee$82,895
Cash dividends to net income (YTD only)2.91%
Condition Ratios (%)
Loss allowance to loans 59.96%
Loss allowance to noncurrent loans 1.45%
Noncurrent assets plus other real estate owned to assets 149.70%
Noncurrent loans to loans 0.79%
Net loans and leases to deposits0.97%
Net loans and leases to core deposits 69.69%
Equity capital to assets 77.16%
Core capital (leverage) ratio 8.01%
Tier 1 risk-based capital ratio 7.79%
Total risk-based capital ratio 12.43%
Memoranda
Average assets$14
Average earning assets$264,147
Average equity $21,099
Average loans $244,823
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10 New Hampshire Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
2208972Fall Mountain BranchRoute 123, Langdon, NH 3602May 21, 1979Full Service Brick and Mortar
3208973Claremont Branch137-139 Broad Street, Claremont, NH 3743October 03, 1983Full Service Brick and Mortar
5208975West Street Branch255 West Street, Keene, NH 3431Febuary 02, 1987Full Service Brick and Mortar
6208976Walpole BranchMain Street, Walpole, NH 3608July 02, 1990Full Service Brick and Mortar
7208977Charlestown Branch245 Main Street, Charlestown, NH 3603October 01, 1996Full Service Brick and Mortar
913423Littleton, N. H./Branch8 Main Street, Littleton, NH 3561August 29, 1966Full Service Brick and Mortar
10249001Lancaster BranchRoutes 2 And 3, North Main Street, Lancaster, NH 3584October 15, 1984Full Service Brick and Mortar
11249003Bethlehem Branch2212 Main Street, Bethlehem, NH 3574September 18, 1989Full Service Brick and Mortar
12249004Meadow Street Branch618 Meadow Street, Littleton, NH 3561July 22, 1999Full Service Brick and Mortar
14362202Franconia BranchKelly's Foodtown, 347 Main Street, Franconia, NH 3580July 01, 2000Full Service Brick and Mortar
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1 Vermont Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04186Connecticut River Bank, National Association242 River Street, Springfield, VT 5156January 01, 1864Full Service Brick and Mortar
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