Profile Bank, FSB in Rochester, New Hampshire (NH)



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Profile Bank, FSB
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)46
Total assets$165,208
Cash and due from depository institutions$16,292
Interest-bearing balances$12,406
Securities$8,310
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$124,083
Loan loss allowance $830
Trading account assets$0
Bank premises and fixed assets$7,663
Other real estate owned$290
Goodwill and other intangibles$0
All other assets$8,570
Life insurance assets$165,208
Total liabilities and capital$142,533
Total liabilities$141,606
Total deposits$129,087
Interest-bearing deposits$141,606
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $927
All other liabilities $22,675
Total equity capital$22,675
Total bank equity capital$22,675
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $22,675
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 $2,205
Earning assets $0
Long-term assets (5+ years) $476
Average Assets, year-to-date $144,799
Average Assets, quarterly $0
Volatile liabilities $160,407
Insider loans $164,132
FHLB advances $107,842
Loans and leases held for sale $165,165
Unused loan commitments $6,049
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $22,839
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,317
Derivatives$766
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,972
Total interest expense $1,126
Net interest income $5,846
Provision for loan and lease losses $166
Total noninterest income $692
Fiduciary activities $0
Service charges on deposit accounts $2
Trading account gains & fees $0
Additional noninterest income $690
Total noninterest expense $5,334
Salaries and employee benefits $2,946
Premises and equipment expense $1,272
Additional noninterest expense $1,116
Pre-tax net operating income $1,038
Securities gains (losses) -$49
Applicable income taxes $240
Income before extraordinary items $749
Extraordinary gains - net $0
Net income attributable to bank $749
Net charge-offs $0
Cash dividends $749
Sale, conversion, retirement of capital stock, net $105
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 assets4.95%
Cost of funding earning assets 0.80%
Net interest margin 4.15%
Noninterest income to earning assets 0.49%
Noninterest expense to earning assets 3.79%
Net operating income to assets 0.49%
Return on assets (ROA) 0.47%
Pretax return on assets 0.62%
Return on equity (ROE) 3.36%
Retained earnings to average equity (YTD only) 3.36%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 158.10%
Efficiency ratio11.47%
Assets per employee$81,585
Cash dividends to net income (YTD only)3.59%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.66%
Noncurrent assets plus other real estate owned to assets 37.64%
Noncurrent loans to loans 1.51%
Net loans and leases to deposits1.77%
Net loans and leases to core deposits 87.63%
Equity capital to assets 91.58%
Core capital (leverage) ratio 13.73%
Tier 1 risk-based capital ratio 13.83%
Total risk-based capital ratio 21.18%
Memoranda
Average assets$22
Average earning assets$160,407
Average equity $22,287
Average loans $140,854
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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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