Mascoma Savings Bank in Lebanon, New Hampshire (NH), VT
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Mascoma Savings Bank in Lebanon, New Hampshire (NH), VT
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Mascoma Savings Bank - Overview

  • General
  • FDIC Certificate #: 18013
    Status: Active
    Federal Reserve ID: 268006
    Date Established: January 01, 1899
    WWW: http://www.mascomabank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 18 (Domestic: 18, Interstate: Yes)
    OTS Docket #: 13316
    FDIC's unique #: 11943
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 02, 1959
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 67 North Park Street, Lebanon, NH 3766
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $990.7 mil
    Equity capital: $99.6 mil
    Deposits held in domestic offices: $719.7 mil
    Return on assets (ROA): 0.73% ($7.2 mil)
    Quarterly return on assets: 0.67% ($6.6 mil)
    Return on Equity (ROE): 7.42% ($7.4 mil)
    Quarterly return on equity: 6.68% ($6.7 mil)
    Net income: $7.2 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 0.89% ($8,817.3 mil)
    Quarterly Pretax return on assets: 0.82% ($8,123.8 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
  • 243Total employees (full-time equivalent)
  • $990,706Total assets
  • $14,240Cash and due from depository institutions
  • $1,529Interest-bearing balances
  • $177,500Securities
  • $187Federal funds sold & reverse repurchase agreements
  • $734,688Net loans & leases
  • $8,832Loan loss allowance
  • $0Trading account assets
  • $21,513Bank premises and fixed assets
  • $916Other real estate owned
  • $3,042Goodwill and other intangibles
  • $990,706Life insurance assets
  • $38,620All other assets
  • $891,120Total liabilities and capital
  • $719,668Total liabilities
  • $691,938Total deposits
  • $719,668Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 99825.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58,351Trading liabilities
  • $0Other borrowed funds
  • $13,276Subordinated debt
  • $99,586All other liabilities
  • $99,586Total equity capital
  • $99,586Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $0Surplus
  • $99,336Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,229Income earned, not collected on loans
  • $0Earning assets
  • $2,936Long-term assets (5+ years)
  • $913,904Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $987,914Volatile liabilities
  • $997,426Insider loans
  • $678,744FHLB advances
  • $989,039Loans and leases held for sale
  • $13,699Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $99,359Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $146,455Restructured Loans and leases
  • $7,072Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,350Total interest income
  • $8,751Total interest expense
  • $32,599Net interest income
  • $1,447Provision for loan and lease losses
  • $6,726Total noninterest income
  • $0Fiduciary activities
  • $278Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,448Additional noninterest income
  • $29,684Total noninterest expense
  • $16,867Salaries and employee benefits
  • $4,534Premises and equipment expense
  • $8,283Additional noninterest expense
  • $8,194Pre-tax net operating income
  • $586Securities gains (losses)
  • $1,578Applicable income taxes
  • $7,202Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,202Net income attributable to bank
  • $0Net charge-offs
  • $7,202Cash dividends
  • $760Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 7.42%Return on equity (ROE)
  • 7.42%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 190.39%Credit loss provision to net charge-offs
  • 12.69%Efficiency ratio
  • 72,834Assets per employee
  • 4.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 141.79%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 102.09%Net loans and leases to core deposits
  • 108.66%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 10.05%Tier 1 risk-based capital ratio
  • 14.64%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $987,914Average earning assets
  • $97,085Average equity
  • $911,793Average loans

List of branches

  • 9 New Hampshire Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011943Mascoma Savings Bank67 North Park Street, Lebanon, NH 3766January 01, 1899Full Service Brick and Mortar
    1243540West Lebanon Branch70 Main Street, West Lebanon, NH 3784October 13, 1975Full Service Brick and Mortar
    2243541Enfield Branch13 Main Street, Enfield, NH 3748April 06, 1977Full Service Brick and Mortar
    3243542Canaan Branch1151 U.S. Route 4, Canaan, NH 3741July 12, 1977Full Service Brick and Mortar
    4243543Lyme BranchOne Main Street, Lyme, NH 3768November 16, 1994Full Service Brick and Mortar
    13243544Hanover Branch225 Lebanon Street, Suite 2, Hanover, NH 3755January 02, 1997Full Service Brick and Mortar
    14243013New London Shopping Center Branch47 Newport Road, New London, NH 3257December 14, 1987Full Service Brick and Mortar
    15243015Hanover Galleria Branch80 South Main Street, Hanover, NH 3755August 28, 1991Full Service Brick and Mortar
    16359155Hanover Branch45 Lyme Road, Hanover, NH 3755November 03, 1999Full Service Brick and Mortar
  • 9 Vermont Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    54228Bethel Branch37 Main Street, Bethel, VT 5032August 23, 1933Full Service Brick and Mortar
    6209129Main & Vershire Branch292 Vt Route 110, Chelsea, VT 5038August 23, 1933Full Service Brick and Mortar
    8231123Norwich Branch303 Main Street, Norwich, VT 5055November 22, 1965Full Service Brick and Mortar
    9231124Maple Street Branch31 Maple Street, White River Junction, VT 5001December 14, 1964Full Service Brick and Mortar
    10231125Sykes Avenue Branch243 Sykes Avenue, White River Junction, VT 5001June 03, 1974Full Service Brick and Mortar
    11231126Strafford-Coburns' BranchVt Route 132, South Strafford, VT 5070August 28, 1978Full Service Retail
    12231127Hartland Branch7 Route 12, Hartland, VT 5048October 20, 1979Full Service Brick and Mortar
    17458390Windsor Branch105 Main Street, Windsor, VT 5089March 01, 2000Full Service Brick and Mortar
    18458391Woodstock Branch448 Woodstock Road, Woodstock, VT 5091September 17, 2002Full Service Brick and Mortar

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