Meredith Village Savings Bank in Meredith, New Hampshire (NH)

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Meredith Village Savings Bank
GeneralFDIC Certificate #: 17180
Status: Active
Federal Reserve ID: 576608
Date Established: January 01, 1869
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 13 (Domestic: 13, Interstate: No)
OTS Docket #: 7994
FDIC's unique #: 11214
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: Commercial Lending Specialization
Date of Deposit Insurance: January 28, 1953
Last Structure Change Effective Date: March 03, 2009
Last Structure Change Process Date: March 03, 2009
Last Data Update: March 03, 2009
Data Source Date: April 05, 2012
LocationAddress: 24 State Route 25, Meredith, NH 3253
County: Belknap
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): Laconia, NH (#29060)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $669.2 mil
Equity capital: $73.9 mil
Deposits held in domestic offices: $513.6 mil
Return on assets (ROA): 0.65% ($4.3 mil)
Quarterly return on assets: 0.31% ($2.1 mil)
Return on Equity (ROE): 5.79% ($4.3 mil)
Quarterly return on equity: 2.81% ($2.1 mil)
Net income: $4.2 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.88% ($5,888.6 mil)
Quarterly Pretax return on assets: 0.21% ($1,405.2 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)190
Total assets$669,160
Cash and due from depository institutions$37,912
Interest-bearing balances$31,448
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$503,809
Loan loss allowance $4,580
Trading account assets$0
Bank premises and fixed assets$20,797
Other real estate owned$345
Goodwill and other intangibles$2,354
All other assets$27,045
Life insurance assets$669,160
Total liabilities and capital$595,272
Total liabilities$513,598
Total deposits$484,890
Interest-bearing deposits$513,598
Deposits held in domestic offices$81
% insured (estimated)22714.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$54,222
Other borrowed funds $0
Subordinated debt $4,738
All other liabilities $73,888
Total equity capital$73,888
Total bank equity capital$73,888
Perpetual preferred stock$0
Common stock$0
Undivided profits $50,864
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $740
Income earned, not collected on loans $1,984
Earning assets $0
Long-term assets (5+ years) $2,248
Average Assets, year-to-date $612,155
Average Assets, quarterly $290,534
Volatile liabilities $644,199
Insider loans $660,252
FHLB advances $468,869
Loans and leases held for sale $651,905
Unused loan commitments $12,812
Tier 1 (core) risk-based capital $11,276
Tier 2 risk-based capital $70,634
Total risk weighted assets $1,536
Total unused commitments $0
Restructured Loans and leases $105,225
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $30,392
Total interest expense $5,687
Net interest income $24,705
Provision for loan and lease losses $1,789
Total noninterest income $5,569
Fiduciary activities $0
Service charges on deposit accounts $1,665
Trading account gains & fees $0
Additional noninterest income $3,904
Total noninterest expense $23,157
Salaries and employee benefits $14,287
Premises and equipment expense $3,163
Additional noninterest expense $5,707
Pre-tax net operating income $5,328
Securities gains (losses) $315
Applicable income taxes $1,468
Income before extraordinary items $4,175
Extraordinary gains - net $0
Net income attributable to bank $4,175
Net charge-offs $0
Cash dividends $4,175
Sale, conversion, retirement of capital stock, net $1,510
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.16%
Cost of funding earning assets 0.97%
Net interest margin 4.20%
Noninterest income to earning assets 0.95%
Noninterest expense to earning assets 3.93%
Net operating income to assets 0.61%
Return on assets (ROA) 0.65%
Pretax return on assets 0.88%
Return on equity (ROE) 5.79%
Retained earnings to average equity (YTD only) 5.79%
Net charge-offs to loans 0.30%
Credit loss provision to net charge-offs 118.48%
Efficiency ratio4.71%
Assets per employee$76,491
Cash dividends to net income (YTD only)3.52%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.90%
Noncurrent assets plus other real estate owned to assets 230.85%
Noncurrent loans to loans 0.35%
Net loans and leases to deposits0.39%
Net loans and leases to core deposits 98.09%
Equity capital to assets 104.32%
Core capital (leverage) ratio 11.04%
Tier 1 risk-based capital ratio 10.84%
Total risk-based capital ratio 15.06%
Average assets$16
Average earning assets$644,199
Average equity $72,092
Average loans $588,565
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13 New Hampshire Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011214Meredith Village Savings Bank24 State Route 25, Meredith, NH 3253January 01, 1869Full Service Brick and Mortar
1240814Ashland Office5 Riverside Drive, Ashland, NH 3217June 30, 1934Full Service Brick and Mortar
2240815Center Harbor/Moultonborough Office28 State Route 25, Moultonborough, NH 3254April 07, 1975Full Service Brick and Mortar
3240816Route 104 Office71 State Route 104, Meredith, NH 3253May 25, 1990Full Service Brick and Mortar
4240817Moultonborough Corner Office991 State Route 25, Moultonborough, NH 3254January 22, 1996Full Service Brick and Mortar
5240818Gilford Branch1383 Lakeshore Road, Gilford, NH 3246June 10, 1999Full Service Brick and Mortar
7340713Hatch Plaza Branch389 Tenney Mountain Highway, Plymouth, NH 3264May 13, 2000Full Service Brick and Mortar
8440865Plymouth Branch131 Main Street, Plymouth, NH 3264Febuary 17, 2005Full Service Brick and Mortar
9444589Laconia Branch379 South Main Street, Laconia, NH 3246August 17, 2005Full Service Brick and Mortar
10444990Campton Corners Branch25 Vintinner Road, Campton, NH 3223June 26, 2004
11451710Alton Branch82 Wolfeboro Highway, Alton, NH 3809June 10, 2006Full Service Retail
12470603State Route 25 Meredith Branch10 State Route 25, Meredith, NH 3253August 09, 2006
14481426Wolfeboro Branch66 North Main Street, Wolfeboro, NH 3894September 26, 2008Full Service Brick and Mortar
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