Oxford Bank and Trust in Oxford, Maine (ME)



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Oxford Bank and Trust
GeneralFDIC 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
LocationAddress: 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 SummaryTotal assets: $65.2 mil
Assets and Liabilities (December 31, 1992)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$34
Cash and due from depository institutions$65,214
Interest-bearing balances$4,861
Securities$0
Federal funds sold & reverse repurchase agreements$199
Net loans & leases$5,050
Loan loss allowance $52,249
Trading account assets$1,394
Bank premises and fixed assets$0
Other real estate owned$1,045
Goodwill and other intangibles$1,141
All other assets$18
Life insurance assets$651
Total liabilities and capital$0
Total liabilities$65,214
Total deposits$59,532
Interest-bearing deposits$59,033
Deposits held in domestic offices$48,883
% insured (estimated)59033.00%
Federal funds purchased & repurchase agreements $89
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $129
All other liabilities $0
Total equity capital$370
Total bank equity capital$370
Perpetual preferred stock$5,682
Common stock$0
Surplus$1,846
Undivided profits $1,152
Memoranda
Noncurrent loans and leases $2,684
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,612
Earning assets $362
Long-term assets (5+ years) $57,498
Average Assets, year-to-date $5,689
Average Assets, quarterly $65,321
Volatile liabilities $64,836
Insider loans $3,475
FHLB advances $1,840
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $15,958
Tier 2 risk-based capital $0
Total risk weighted assets $5,664
Total unused commitments $53,189
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 1992)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $5,817
Net interest income $2,711
Provision for loan and lease losses $3,106
Total noninterest income $265
Fiduciary activities $360
Service charges on deposit accounts $0
Trading account gains & fees $251
Additional noninterest income $0
Total noninterest expense $109
Salaries and employee benefits $2,875
Premises and equipment expense $1,283
Additional noninterest expense $479
Pre-tax net operating income $1,113
Securities gains (losses) $326
Applicable income taxes $49
Income before extraordinary items $96
Extraordinary gains - net $279
Net income attributable to bank $0
Net charge-offs $279
Cash dividends $370
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 1992)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 10.02%
Net interest margin 4.67%
Noninterest income to earning assets 5.35%
Noninterest expense to earning assets 0.62%
Net operating income to assets 4.95%
Return on assets (ROA) 0.37%
Pretax return on assets 0.43%
Return on equity (ROE) 0.57%
Retained earnings to average equity (YTD only) 5.07%
Net charge-offs to loans 5.07%
Credit loss provision to net charge-offs 0.67%
Efficiency ratio71.62%
Assets per employee$82,949
Cash dividends to net income (YTD only)1.92%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.60%
Noncurrent assets plus other real estate owned to assets 86.48%
Noncurrent loans to loans 4.22%
Net loans and leases to deposits3.01%
Net loans and leases to core deposits 88.51%
Equity capital to assets 93.83%
Core capital (leverage) ratio 8.71%
Tier 1 risk-based capital ratio 8.63%
Total risk-based capital ratio 10.65%
Memoranda
Average assets$12
Average earning assets$65,321
Average equity $5,499
Average loans $58,027
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