Profile Bank, FSB in Rochester, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Profile Bank, FSB in Rochester, New Hampshire (NH)
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Profile Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28155
    Status: Active
    Federal Reserve ID: 672573
    Date Established: January 01, 1907
    WWW: http://www.profilebank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 1007
    FDIC's unique #: 40989
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 25, 1953
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 45 Wakefield Street, Rochester, NH 3867
    County: Strafford
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $165.2 mil
    Equity capital: $22.7 mil
    Deposits held in domestic offices: $141.6 mil
    Return on assets (ROA): 0.47% ($0.8 mil)
    Quarterly return on assets: 0.66% ($1.1 mil)
    Return on Equity (ROE): 3.36% ($0.8 mil)
    Quarterly return on equity: 4.83% ($1.1 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.62% ($1,024.3 mil)
    Quarterly Pretax return on assets: 0.77% ($1,272.1 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
  • 46Total employees (full-time equivalent)
  • $165,208Total assets
  • $16,292Cash and due from depository institutions
  • $12,406Interest-bearing balances
  • $8,310Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $124,083Net loans & leases
  • $830Loan loss allowance
  • $0Trading account assets
  • $7,663Bank premises and fixed assets
  • $290Other real estate owned
  • $0Goodwill and other intangibles
  • $165,208Life insurance assets
  • $8,570All other assets
  • $142,533Total liabilities and capital
  • $141,606Total liabilities
  • $129,087Total deposits
  • $141,606Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $927Subordinated debt
  • $22,675All other liabilities
  • $22,675Total equity capital
  • $22,675Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $22,675Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,205Income earned, not collected on loans
  • $0Earning assets
  • $476Long-term assets (5+ years)
  • $144,799Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $160,407Volatile liabilities
  • $164,132Insider loans
  • $107,842FHLB advances
  • $165,165Loans and leases held for sale
  • $6,049Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,839Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,317Restructured Loans and leases
  • $766Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,972Total interest income
  • $1,126Total interest expense
  • $5,846Net interest income
  • $166Provision for loan and lease losses
  • $692Total noninterest income
  • $0Fiduciary activities
  • $2Service charges on deposit accounts
  • $0Trading account gains & fees
  • $690Additional noninterest income
  • $5,334Total noninterest expense
  • $2,946Salaries and employee benefits
  • $1,272Premises and equipment expense
  • $1,116Additional noninterest expense
  • $1,038Pre-tax net operating income
  • -$49Securities gains (losses)
  • $240Applicable income taxes
  • $749Income before extraordinary items
  • $0Extraordinary gains - net
  • $749Net income attributable to bank
  • $0Net charge-offs
  • $749Cash dividends
  • $105Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.79%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 3.36%Return on equity (ROE)
  • 3.36%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 158.10%Credit loss provision to net charge-offs
  • 11.47%Efficiency ratio
  • 81,585Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.66%Loss allowance to noncurrent loans
  • 37.64%Noncurrent assets plus other real estate owned to assets
  • 1.51%Noncurrent loans to loans
  • 1.77%Net loans and leases to deposits
  • 87.63%Net loans and leases to core deposits
  • 91.58%Equity capital to assets
  • 13.73%Core capital (leverage) ratio
  • 13.83%Tier 1 risk-based capital ratio
  • 21.18%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $160,407Average earning assets
  • $22,287Average equity
  • $140,854Average loans

List of branches

  • 4 New Hampshire Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    040989Profile Bank, Fsb45 Wakefield Street, Rochester, NH 3867January 01, 1907Full Service Brick and Mortar
    1265255Meadow St Branch65 Meadow St, Sanbornville, NH 3872January 01, 1907Full Service Brick and Mortar
    2465175Alton Branch145 Main Street, Alton, NH 3809March 28, 2005Full Service Brick and Mortar
    3495168Route 108 Branch154 Route 108, Somersworth, NH 3878September 09, 2008Full Service Brick and Mortar

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