Piscataqua Savings Bank in Portsmouth, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Piscataqua Savings Bank in Portsmouth, New Hampshire (NH)
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Piscataqua Savings Bank - Overview

  • General
  • 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
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $166,631Managed Assets
  • 1Number of Accounts
  • $166,631Personal trust and agency accounts
  • $73,655Employee benefit-defined contribution accounts
  • $101Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $10,843Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $82,032Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 343Number of Accounts
  • $0Personal trust and agency accounts
  • $10,843Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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