Piscataqua Savings Bank in Portsmouth, New Hampshire (NH)



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Piscataqua Savings Bank routing number info

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Piscataqua Savings Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)36
Total assets$228,527
Cash and due from depository institutions$22,886
Interest-bearing balances$22,046
Securities$47,915
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$151,852
Loan loss allowance $1,441
Trading account assets$0
Bank premises and fixed assets$2,155
Other real estate owned$0
Goodwill and other intangibles$71
All other assets$3,648
Life insurance assets$228,527
Total liabilities and capital$191,240
Total liabilities$190,338
Total deposits$185,055
Interest-bearing deposits$190,338
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $902
All other liabilities $37,287
Total equity capital$37,287
Total bank equity capital$37,287
Perpetual preferred stock$0
Common stock$0
Surplus$9,300
Undivided profits $27,987
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 $609
Earning assets $0
Long-term assets (5+ years) $714
Average Assets, year-to-date $221,813
Average Assets, quarterly $19,701
Volatile liabilities $223,471
Insider loans $226,226
FHLB advances $121,972
Loans and leases held for sale $228,666
Unused loan commitments $1,243
Tier 1 (core) risk-based capital $1,243
Tier 2 risk-based capital $36,817
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,665
Derivatives$1,737
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,555
Total interest expense $1,722
Net interest income $5,833
Provision for loan and lease losses $50
Total noninterest income $1,729
Fiduciary activities $1,349
Service charges on deposit accounts $60
Trading account gains & fees $0
Additional noninterest income $320
Total noninterest expense $5,639
Salaries and employee benefits $3,435
Premises and equipment expense $473
Additional noninterest expense $1,731
Pre-tax net operating income $1,873
Securities gains (losses) $4
Applicable income taxes $602
Income before extraordinary items $1,275
Extraordinary gains - net $0
Net income attributable to bank $1,275
Net charge-offs $0
Cash dividends $1,275
Sale, conversion, retirement of capital stock, net $9
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 assets3.49%
Cost of funding earning assets 0.80%
Net interest margin 2.69%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 2.60%
Net operating income to assets 0.57%
Return on assets (ROA) 0.57%
Pretax return on assets 0.84%
Return on equity (ROE) 3.49%
Retained earnings to average equity (YTD only) 3.49%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 555.56%
Efficiency ratio213.67%
Assets per employee$74,345
Cash dividends to net income (YTD only)6.35%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.94%
Noncurrent assets plus other real estate owned to assets 236.62%
Noncurrent loans to loans 0.27%
Net loans and leases to deposits0.40%
Net loans and leases to core deposits 79.78%
Equity capital to assets 83.39%
Core capital (leverage) ratio 16.32%
Tier 1 risk-based capital ratio 16.10%
Total risk-based capital ratio 30.18%
Memoranda
Average assets$31
Average earning assets$223,471
Average equity $36,557
Average loans $216,592
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$166,631
Number of Accounts1
Personal trust and agency accounts$166,631
Employee benefit-defined contribution accounts$73,655
Employee benefit-defined benefit accounts$101
Other retirement accounts$0
Corporate trust and agency accounts$10,843
Investment management agency accounts$0
Other fiduciary accounts$82,032
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts343
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$10,843
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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1 New Hampshire Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011435Piscataqua Savings Bank15 Pleasant Street, Portsmouth, NH 3801January 01, 1877Full Service Brick and Mortar
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