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


Franklin Savings Bank - Overview

  • General
  • FDIC Certificate #: 17951
    Status: Active
    Federal Reserve ID: 491402
    Date Established: June 30, 1869
    WWW: http://www.fsbnh.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 8488
    FDIC's unique #: 11884
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: January 02, 1959
    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: 387 Central Street, Franklin, NH 3235
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $356.8 mil
    Equity capital: $39.0 mil
    Deposits held in domestic offices: $268.6 mil
    Return on assets (ROA): 0.42% ($1.5 mil)
    Quarterly return on assets: 0.41% ($1.5 mil)
    Return on Equity (ROE): 3.87% ($1.5 mil)
    Quarterly return on equity: 3.76% ($1.5 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.51% ($1,819.8 mil)
    Quarterly Pretax return on assets: 0.47% ($1,677.0 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
  • 99Total employees (full-time equivalent)
  • $356,818Total assets
  • $15,913Cash and due from depository institutions
  • $12,393Interest-bearing balances
  • $75,754Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $236,087Net loans & leases
  • $1,666Loan loss allowance
  • $0Trading account assets
  • $9,292Bank premises and fixed assets
  • $640Other real estate owned
  • $0Goodwill and other intangibles
  • $356,818Life insurance assets
  • $19,132All other assets
  • $317,862Total liabilities and capital
  • $268,616Total liabilities
  • $241,744Total deposits
  • $268,616Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 20925.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,300Trading liabilities
  • $0Other borrowed funds
  • $4,021Subordinated debt
  • $38,956All other liabilities
  • $38,956Total equity capital
  • $38,956Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $9,250Surplus
  • $29,706Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $84Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,205Income earned, not collected on loans
  • $44Earning assets
  • $1,340Long-term assets (5+ years)
  • $324,234Average Assets, year-to-date
  • $116,830Average Assets, quarterly
  • $356,866Volatile liabilities
  • $359,499Insider loans
  • $222,431FHLB advances
  • $351,275Loans and leases held for sale
  • $8,912Unused loan commitments
  • $8,125Tier 1 (core) risk-based capital
  • $38,013Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $787Total unused commitments
  • $37,532Restructured Loans and leases
  • $909Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,608Total interest income
  • $3,769Total interest expense
  • $10,839Net interest income
  • $502Provision for loan and lease losses
  • $3,210Total noninterest income
  • $0Fiduciary activities
  • $1,072Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,138Additional noninterest income
  • $11,780Total noninterest expense
  • $6,409Salaries and employee benefits
  • $1,822Premises and equipment expense
  • $3,549Additional noninterest expense
  • $1,767Pre-tax net operating income
  • $56Securities gains (losses)
  • $321Applicable income taxes
  • $1,502Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,502Net income attributable to bank
  • $0Net charge-offs
  • $1,502Cash dividends
  • $491Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 3.64%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 3.87%Return on equity (ROE)
  • 3.87%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 102.24%Credit loss provision to net charge-offs
  • 4.62%Efficiency ratio
  • 83,849Assets per employee
  • 3.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.70%Loss allowance to noncurrent loans
  • 32.01%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 2.19%Net loans and leases to deposits
  • 87.89%Net loans and leases to core deposits
  • 90.49%Equity capital to assets
  • 10.92%Core capital (leverage) ratio
  • 10.82%Tier 1 risk-based capital ratio
  • 17.09%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $356,866Average earning assets
  • $38,818Average equity
  • $323,917Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $53,881Managed Assets
  • 1Number of Accounts
  • $53,881Personal trust and agency accounts
  • $14,011Employee benefit-defined contribution accounts
  • $78Employee benefit-defined benefit accounts
  • $449Other retirement accounts
  • $23,575Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $15,768Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 443Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 9 New Hampshire Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011884Franklin Savings Bank387 Central Street, Franklin, NH 3235June 30, 1869Full Service Brick and Mortar
    1243330Central Street Branch933 Central Street, Franklin, NH 3235April 07, 1982Full Service Brick and Mortar
    2243331Bristol Branch350 Lake Street, Bristol, NH 3222June 20, 1985Full Service Brick and Mortar
    3243332New Hampton BranchExit 23 Plaza - Route 104, New Hampton, NH 3256March 16, 1998Full Service Brick and Mortar
    4243333Tilton Branch61 Laconia Road, Suite 300, Tilton, NH 3276January 04, 1999Full Service Brick and Mortar
    5364921Fsbnh.Com Branch387 Central Street, Franklin, NH 3235July 01, 2001Full Service Cyber
    6366330Boscawen Branch139 King Street, Boscawen, NH 3303January 31, 2003Full Service Brick and Mortar
    7455426Laconia Branch11 Veterans Square, Laconia, NH 3246September 25, 2006Full Service Retail
    8465860Gilford Branch11 Saw Mill Road, Gilford, NH 3249June 30, 2007Full Service Brick and Mortar

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