Oxford Bank and Trust in Oxford, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 1993

  • Oxford Bank and Trust in Oxford, Maine (ME)
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Oxford Bank and Trust - Overview

  • General
  • FDIC Certificate #: 20839
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: TD Bank, National Association (#18409)
    Federal Reserve ID: 266002
    Date Established: October 24, 1972
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 9180
    FDIC's unique #: 14396
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 24, 1972
    Last Structure Change Effective Date: March 31, 1993
    Last Structure Change Process Date: April 21, 1993
    Last Data Update: April 21, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: U.S. Route 26, Oxford, ME 4270
    County: Oxford
    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
  • Financial Summary
  • Total assets: $65.2 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $34Total assets
  • $65,214Cash and due from depository institutions
  • $4,861Interest-bearing balances
  • $0Securities
  • $199Federal funds sold & reverse repurchase agreements
  • $5,050Net loans & leases
  • $52,249Loan loss allowance
  • $1,394Trading account assets
  • $0Bank premises and fixed assets
  • $1,045Other real estate owned
  • $1,141Goodwill and other intangibles
  • $651Life insurance assets
  • $18All other assets
  • $0Total liabilities and capital
  • $65,214Total liabilities
  • $59,532Total deposits
  • $59,033Interest-bearing deposits
  • $48,883Deposits held in domestic offices
  • 59033.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $129Subordinated debt
  • $0All other liabilities
  • $370Total equity capital
  • $370Total bank equity capital
  • $5,682Perpetual preferred stock
  • $0Common stock
  • $1,846Surplus
  • $1,152Undivided profits
  • Memoranda
  • $2,684Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,612Income earned, not collected on loans
  • $362Earning assets
  • $57,498Long-term assets (5+ years)
  • $5,689Average Assets, year-to-date
  • $65,321Average Assets, quarterly
  • $64,836Volatile liabilities
  • $3,475Insider loans
  • $1,840FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $15,958Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,664Total risk weighted assets
  • $53,189Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,817Total interest expense
  • $2,711Net interest income
  • $3,106Provision for loan and lease losses
  • $265Total noninterest income
  • $360Fiduciary activities
  • $0Service charges on deposit accounts
  • $251Trading account gains & fees
  • $0Additional noninterest income
  • $109Total noninterest expense
  • $2,875Salaries and employee benefits
  • $1,283Premises and equipment expense
  • $479Additional noninterest expense
  • $1,113Pre-tax net operating income
  • $326Securities gains (losses)
  • $49Applicable income taxes
  • $96Income before extraordinary items
  • $279Extraordinary gains - net
  • $0Net income attributable to bank
  • $279Net charge-offs
  • $370Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.02%Cost of funding earning assets
  • 4.67%Net interest margin
  • 5.35%Noninterest income to earning assets
  • 0.62%Noninterest expense to earning assets
  • 4.95%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 0.57%Return on equity (ROE)
  • 5.07%Retained earnings to average equity (YTD only)
  • 5.07%Net charge-offs to loans
  • 0.67%Credit loss provision to net charge-offs
  • 71.62%Efficiency ratio
  • 82,949Assets per employee
  • 1.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.60%Loss allowance to noncurrent loans
  • 86.48%Noncurrent assets plus other real estate owned to assets
  • 4.22%Noncurrent loans to loans
  • 3.01%Net loans and leases to deposits
  • 88.51%Net loans and leases to core deposits
  • 93.83%Equity capital to assets
  • 8.71%Core capital (leverage) ratio
  • 8.63%Tier 1 risk-based capital ratio
  • 10.65%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $65,321Average earning assets
  • $5,499Average equity
  • $58,027Average loans

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