Pentucket Bank in Haverhill, Massachusetts (MA), NH



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Pentucket Bank routing number info

Table of contents:
Pentucket Bank
GeneralFDIC Certificate #: 90208
Status: Active
Federal Reserve ID: 635907
Date Established: January 01, 1891
WWW: http://www.pentucketbank.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: Yes)
FDIC's unique #: 17799
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: October 08, 1985
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: One Merrimack Street, Haverhill, MA 1830
County: Essex
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: North Boston
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Lawrence, MA-NH (#4160)
Consolidated Metropolitan Statistical Area (CMSA): Boston-Worcester-Lawrence, MA-NH-ME-CT (#7)
Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
Core Based Statistical Area (CBSA): Boston-Cambridge-Quincy, MA-NH (#14460)
CBSA Metro Statistical Area: Boston-Cambridge-Quincy, MA-NH (#14460)
Core Based Statistical Division: Peabody, MA (#37764)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $642.8 mil
Equity capital: $64.4 mil
Deposits held in domestic offices: $550.1 mil
Return on assets (ROA): 0.50% ($3.2 mil)
Quarterly return on assets: 0.36% ($2.3 mil)
Return on Equity (ROE): 4.95% ($3.2 mil)
Quarterly return on equity: 3.59% ($2.3 mil)
Net income: $3.1 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 0.72% ($4,627.9 mil)
Quarterly Pretax return on assets: 0.43% ($2,763.9 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)112
Total assets$642,768
Cash and due from depository institutions$30,276
Interest-bearing balances$22,245
Securities$136,817
Federal funds sold & reverse repurchase agreements$9,686
Net loans & leases$428,847
Loan loss allowance $3,347
Trading account assets$0
Bank premises and fixed assets$11,401
Other real estate owned$1,737
Goodwill and other intangibles$0
All other assets$24,004
Life insurance assets$642,768
Total liabilities and capital$578,348
Total liabilities$550,145
Total deposits$492,468
Interest-bearing deposits$550,145
Deposits held in domestic offices$75
% insured (estimated)17023.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,863
Other borrowed funds $0
Subordinated debt $8,317
All other liabilities $64,420
Total equity capital$64,420
Total bank equity capital$64,420
Perpetual preferred stock$0
Common stock$0
Surplus$64,136
Undivided profits $284
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,885
Earning assets $0
Long-term assets (5+ years) $1,841
Average Assets, year-to-date $597,595
Average Assets, quarterly $285,117
Volatile liabilities $633,784
Insider loans $646,398
FHLB advances $427,013
Loans and leases held for sale $644,569
Unused loan commitments $13,112
Tier 1 (core) risk-based capital $13,112
Tier 2 risk-based capital $63,546
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $51,906
Derivatives$9,969
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $27,087
Total interest expense $7,790
Net interest income $19,297
Provision for loan and lease losses $1,490
Total noninterest income $2,380
Fiduciary activities $0
Service charges on deposit accounts $1,025
Trading account gains & fees $0
Additional noninterest income $1,355
Total noninterest expense $17,612
Salaries and employee benefits $10,014
Premises and equipment expense $2,032
Additional noninterest expense $5,566
Pre-tax net operating income $2,575
Securities gains (losses) $2,007
Applicable income taxes $1,432
Income before extraordinary items $3,150
Extraordinary gains - net $0
Net income attributable to bank $3,150
Net charge-offs $0
Cash dividends $3,150
Sale, conversion, retirement of capital stock, net $2,146
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 assets4.56%
Cost of funding earning assets 1.31%
Net interest margin 3.25%
Noninterest income to earning assets 0.40%
Noninterest expense to earning assets 2.97%
Net operating income to assets 0.28%
Return on assets (ROA) 0.50%
Pretax return on assets 0.72%
Return on equity (ROE) 4.95%
Retained earnings to average equity (YTD only) 4.95%
Net charge-offs to loans 0.48%
Credit loss provision to net charge-offs 69.43%
Efficiency ratio1.89%
Assets per employee$81,247
Cash dividends to net income (YTD only)5.74%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.77%
Noncurrent assets plus other real estate owned to assets 86.15%
Noncurrent loans to loans 0.87%
Net loans and leases to deposits0.90%
Net loans and leases to core deposits 77.95%
Equity capital to assets 96.20%
Core capital (leverage) ratio 10.02%
Tier 1 risk-based capital ratio 9.86%
Total risk-based capital ratio 14.88%
Memoranda
Average assets$16
Average earning assets$633,784
Average equity $63,590
Average loans $593,457
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3 Massachusetts Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
017799Pentucket BankOne Merrimack Street, Haverhill, MA 1830January 01, 1891Full Service Brick and Mortar
2291173Lowell Avenue Branch395 Lowell Avenue, Haverhill, MA 1830August 22, 1974Full Service Brick and Mortar
3291174Stadium Branch120 Lincoln Avenue, Haverhill, MA 1830September 01, 1986Full Service Brick and Mortar
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2 New Hampshire Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
6455428Hampstead Nh Branch201 Route 111, Hampstead, NH 3841October 02, 2006Full Service Brick and Mortar
7457523Salem Nh Branch234 North Broadway, Salem, NH 3079December 04, 2006Full Service Brick and Mortar
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