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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