FDIC Certificate #: 17443 Status: Active Federal Reserve ID: 591209 Date Established: January 01, 1877 WWW:http://www.piscataqua.com Trust Powers Granted: Yes Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 8454 FDIC's unique #: 11435 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: Mortgage Lending Specialization Date of Deposit Insurance: July 01, 1955 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: 15 Pleasant Street, Portsmouth, NH 3801 County: Rockingham 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 Metropolitan Statistical Area (MSA): Portsmouth-Rochester, NH-ME (#6450) 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: Rockingham County-Strafford County, NH (#40484)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $228.5 mil Equity capital: $37.3 mil Deposits held in domestic offices: $190.3 mil Return on assets (ROA): 0.57% ($1.3 mil) Quarterly return on assets: 0.53% ($1.2 mil) Return on Equity (ROE): 3.49% ($1.3 mil) Quarterly return on equity: 3.22% ($1.2 mil) Net income: $1.3 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.84% ($1,919.6 mil) Quarterly Pretax return on assets: 0.79% ($1,805.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
36Total employees (full-time equivalent)
$228,527Total assets
$22,886Cash and due from depository institutions
$22,046Interest-bearing balances
$47,915Securities
$0Federal funds sold & reverse repurchase agreements
$151,852Net loans & leases
$1,441Loan loss allowance
$0Trading account assets
$2,155Bank premises and fixed assets
$0Other real estate owned
$71Goodwill and other intangibles
$228,527Life insurance assets
$3,648All other assets
$191,240Total liabilities and capital
$190,338Total liabilities
$185,055Total deposits
$190,338Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$902Subordinated debt
$37,287All other liabilities
$37,287Total equity capital
$37,287Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$9,300Surplus
$27,987Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$609Income earned, not collected on loans
$0Earning assets
$714Long-term assets (5+ years)
$221,813Average Assets, year-to-date
$19,701Average Assets, quarterly
$223,471Volatile liabilities
$226,226Insider loans
$121,972FHLB advances
$228,666Loans and leases held for sale
$1,243Unused loan commitments
$1,243Tier 1 (core) risk-based capital
$36,817Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,665Restructured Loans and leases
$1,737Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,555Total interest income
$1,722Total interest expense
$5,833Net interest income
$50Provision for loan and lease losses
$1,729Total noninterest income
$1,349Fiduciary activities
$60Service charges on deposit accounts
$0Trading account gains & fees
$320Additional noninterest income
$5,639Total noninterest expense
$3,435Salaries and employee benefits
$473Premises and equipment expense
$1,731Additional noninterest expense
$1,873Pre-tax net operating income
$4Securities gains (losses)
$602Applicable income taxes
$1,275Income before extraordinary items
$0Extraordinary gains - net
$1,275Net income attributable to bank
$0Net charge-offs
$1,275Cash dividends
$9Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.49%Yield on earning assets
0.80%Cost of funding earning assets
2.69%Net interest margin
0.80%Noninterest income to earning assets
2.60%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.84%Pretax return on assets
3.49%Return on equity (ROE)
3.49%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
555.56%Credit loss provision to net charge-offs
213.67%Efficiency ratio
74,345Assets per employee
6.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
236.62%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.40%Net loans and leases to deposits
79.78%Net loans and leases to core deposits
83.39%Equity capital to assets
16.32%Core capital (leverage) ratio
16.10%Tier 1 risk-based capital ratio
30.18%Total risk-based capital ratio
Memoranda
$31Average assets
$223,471Average earning assets
$36,557Average equity
$216,592Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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