Pentucket Bank in city_name, state_name - Detailed Financial Reports, Location

Pentucket Bank in Haverhill, Massachusetts (MA), NH
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Pentucket Bank routing number info

Pentucket Bank - Overview

General
FDIC 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
Location
Address: 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 Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total 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
112Total employees (full-time equivalent)
$642,768Total assets
$30,276Cash and due from depository institutions
$22,245Interest-bearing balances
$136,817Securities
$9,686Federal funds sold & reverse repurchase agreements
$428,847Net loans & leases
$3,347Loan loss allowance
$0Trading account assets
$11,401Bank premises and fixed assets
$1,737Other real estate owned
$0Goodwill and other intangibles
$642,768Life insurance assets
$24,004All other assets
$578,348Total liabilities and capital
$550,145Total liabilities
$492,468Total deposits
$550,145Interest-bearing deposits
$75Deposits held in domestic offices
17023.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,863Trading liabilities
$0Other borrowed funds
$8,317Subordinated debt
$64,420All other liabilities
$64,420Total equity capital
$64,420Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$64,136Surplus
$284Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,885Income earned, not collected on loans
$0Earning assets
$1,841Long-term assets (5+ years)
$597,595Average Assets, year-to-date
$285,117Average Assets, quarterly
$633,784Volatile liabilities
$646,398Insider loans
$427,013FHLB advances
$644,569Loans and leases held for sale
$13,112Unused loan commitments
$13,112Tier 1 (core) risk-based capital
$63,546Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$51,906Restructured Loans and leases
$9,969Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$27,087Total interest income
$7,790Total interest expense
$19,297Net interest income
$1,490Provision for loan and lease losses
$2,380Total noninterest income
$0Fiduciary activities
$1,025Service charges on deposit accounts
$0Trading account gains & fees
$1,355Additional noninterest income
$17,612Total noninterest expense
$10,014Salaries and employee benefits
$2,032Premises and equipment expense
$5,566Additional noninterest expense
$2,575Pre-tax net operating income
$2,007Securities gains (losses)
$1,432Applicable income taxes
$3,150Income before extraordinary items
$0Extraordinary gains - net
$3,150Net income attributable to bank
$0Net charge-offs
$3,150Cash dividends
$2,146Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.56%Yield on earning assets
1.31%Cost of funding earning assets
3.25%Net interest margin
0.40%Noninterest income to earning assets
2.97%Noninterest expense to earning assets
0.28%Net operating income to assets
0.50%Return on assets (ROA)
0.72%Pretax return on assets
4.95%Return on equity (ROE)
4.95%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
69.43%Credit loss provision to net charge-offs
1.89%Efficiency ratio
81,247Assets per employee
5.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.77%Loss allowance to noncurrent loans
86.15%Noncurrent assets plus other real estate owned to assets
0.87%Noncurrent loans to loans
0.90%Net loans and leases to deposits
77.95%Net loans and leases to core deposits
96.20%Equity capital to assets
10.02%Core capital (leverage) ratio
9.86%Tier 1 risk-based capital ratio
14.88%Total risk-based capital ratio
Memoranda
$16Average assets
$633,784Average earning assets
$63,590Average equity
$593,457Average loans

List of branches

3 Massachusetts Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17799	Pentucket Bank	One Merrimack Street, Haverhill, MA 1830	January 01, 1891	Full Service Brick and Mortar
2	291173	Lowell Avenue Branch	395 Lowell Avenue, Haverhill, MA 1830	August 22, 1974	Full Service Brick and Mortar
3	291174	Stadium Branch	120 Lincoln Avenue, Haverhill, MA 1830	September 01, 1986	Full Service Brick and Mortar

2 New Hampshire Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
6	455428	Hampstead Nh Branch	201 Route 111, Hampstead, NH 3841	October 02, 2006	Full Service Brick and Mortar
7	457523	Salem Nh Branch	234 North Broadway, Salem, NH 3079	December 04, 2006	Full Service Brick and Mortar

Pentucket Bank in Haverhill, Massachusetts (MA), NH
Overview, Financial Summary, Detailed Financial Reports, Branches

Pentucket Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Pentucket Bank in Haverhill, Massachusetts (MA), NHOverview, Financial Summary, Detailed Financial Reports, Branches

Pentucket Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Pentucket Bank in Haverhill, Massachusetts (MA), NH
Overview, Financial Summary, Detailed Financial Reports, Branches