Monadnock Community Bank in Peterborough, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Monadnock Community Bank in Peterborough, New Hampshire (NH)
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Monadnock Community Bank - Overview

  • General
  • FDIC Certificate #: 34167
    Status: Active
    Federal Reserve ID: 616193
    Date Established: May 01, 1996
    WWW: http://www.monadnockbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12716
    FDIC's unique #: 56824
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: May 01, 1996
    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: 1 Jaffrey Rd, Peterborough, NH 3458
    County: Hillsborough
    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): Manchester-Nashua, NH (#31700)
    CBSA Metro Statistical Area: Manchester-Nashua, NH (#31700)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $82.6 mil
    Equity capital: $7.2 mil
    Deposits held in domestic offices: $48.9 mil
    Return on assets (ROA): -2.86% (-$2.4 mil)
    Quarterly return on assets: -8.26% (-$6.9 mil)
    Return on Equity (ROE): -30.22% (-$2.1 mil)
    Quarterly return on equity: -88.36% (-$6.2 mil)
    Net income: -$2.7 mil
    Quarterly Net income: -$1.8 mil
    Pretax return on assets: -2.22% (-$1,833.1 mil)
    Quarterly Pretax return on assets: -2.89% (-$2,386.4 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
  • 18Total employees (full-time equivalent)
  • $82,573Total assets
  • $8,686Cash and due from depository institutions
  • $7,952Interest-bearing balances
  • $18,789Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,771Net loans & leases
  • $756Loan loss allowance
  • $0Trading account assets
  • $676Bank premises and fixed assets
  • $392Other real estate owned
  • $17Goodwill and other intangibles
  • $82,573Life insurance assets
  • $3,242All other assets
  • $75,409Total liabilities and capital
  • $48,943Total liabilities
  • $45,399Total deposits
  • $48,943Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $26,234Trading liabilities
  • $0Other borrowed funds
  • $232Subordinated debt
  • $7,164All other liabilities
  • $7,164Total equity capital
  • $7,164Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $8,276Surplus
  • $-1,113Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,023Income earned, not collected on loans
  • $0Earning assets
  • $235Long-term assets (5+ years)
  • $77,512Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $93,034Volatile liabilities
  • $85,274Insider loans
  • $42,049FHLB advances
  • $82,373Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,964Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,526Restructured Loans and leases
  • $55Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,460Total interest income
  • $1,793Total interest expense
  • $1,667Net interest income
  • $1,030Provision for loan and lease losses
  • $103Total noninterest income
  • $0Fiduciary activities
  • $48Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $2,981Total noninterest expense
  • $1,454Salaries and employee benefits
  • $414Premises and equipment expense
  • $1,113Additional noninterest expense
  • -$2,241Pre-tax net operating income
  • $173Securities gains (losses)
  • $589Applicable income taxes
  • -$2,657Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,657Net income attributable to bank
  • $0Net charge-offs
  • -$2,657Cash dividends
  • $1,357Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 2.07%Cost of funding earning assets
  • 1.92%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • -3.04%Net operating income to assets
  • -2.86%Return on assets (ROA)
  • -2.22%Pretax return on assets
  • -30.22%Return on equity (ROE)
  • -30.22%Retained earnings to average equity (YTD only)
  • 2.42%Net charge-offs to loans
  • 75.90%Credit loss provision to net charge-offs
  • -0.89%Efficiency ratio
  • 168,418Assets per employee
  • 4.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 73.90%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 1.99%Net loans and leases to deposits
  • 103.73%Net loans and leases to core deposits
  • 103.73%Equity capital to assets
  • 8.68%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 16.56%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $93,034Average earning assets
  • $8,793Average equity
  • $86,670Average loans

List of branches

  • 1 New Hampshire Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056824Monadnock Community Bank1 Jaffrey Rd, Peterborough, NH 3458May 01, 1996Full Service Brick and Mortar

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