Connecticut River Bank, National Association in Springfield, Vermont (VT), NH
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| Connecticut River Bank, National Association | |
|---|---|
| General | FDIC 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 |
| Location | Address: 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 Summary | Total 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.35% |
| 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 ratio | 5.85% |
| 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 deposits | 0.97% |
| 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 |
| 10 New Hampshire Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 2 | 208972 | Fall Mountain Branch | Route 123, Langdon, NH 3602 | May 21, 1979 | Full Service Brick and Mortar |  |
| 3 | 208973 | Claremont Branch | 137-139 Broad Street, Claremont, NH 3743 | October 03, 1983 | Full Service Brick and Mortar | |
| 5 | 208975 | West Street Branch | 255 West Street, Keene, NH 3431 | Febuary 02, 1987 | Full Service Brick and Mortar | |
| 6 | 208976 | Walpole Branch | Main Street, Walpole, NH 3608 | July 02, 1990 | Full Service Brick and Mortar | |
| 7 | 208977 | Charlestown Branch | 245 Main Street, Charlestown, NH 3603 | October 01, 1996 | Full Service Brick and Mortar | |
| 9 | 13423 | Littleton, N. H./Branch | 8 Main Street, Littleton, NH 3561 | August 29, 1966 | Full Service Brick and Mortar | |
| 10 | 249001 | Lancaster Branch | Routes 2 And 3, North Main Street, Lancaster, NH 3584 | October 15, 1984 | Full Service Brick and Mortar | |
| 11 | 249003 | Bethlehem Branch | 2212 Main Street, Bethlehem, NH 3574 | September 18, 1989 | Full Service Brick and Mortar | |
| 12 | 249004 | Meadow Street Branch | 618 Meadow Street, Littleton, NH 3561 | July 22, 1999 | Full Service Brick and Mortar | |
| 14 | 362202 | Franconia Branch | Kelly's Foodtown, 347 Main Street, Franconia, NH 3580 | July 01, 2000 | Full Service Brick and Mortar | |
| 1 Vermont Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 4186 | Connecticut River Bank, National Association | 242 River Street, Springfield, VT 5156 | January 01, 1864 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.