The First Colebrook Bank in Colebrook, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First Colebrook Bank - Overview

  • General
  • FDIC Certificate #: 6212
    Status: Active
    Federal Reserve ID: 58207
    Bank Holding Company (Regulatory Top Holder): First Colebrook Bancorp, Inc. (RSSDID: 1132636, Location: Colebrook, NH)
    Date Established: November 01, 1889
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11281
    FDIC's unique #: 4189
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 23, 2012
    Last Structure Change Process Date: March 13, 2012
    Last Data Update: March 13, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 132 Main Street, Colebrook, NH 3576
    County: Coos
    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
    Core Based Statistical Area (CBSA): Berlin, NH-VT (#13620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $238.7 mil
    Equity capital: $22.4 mil
    Deposits held in domestic offices: $207.7 mil
    Return on assets (ROA): 0.48% ($1.1 mil)
    Quarterly return on assets: 0.48% ($1.1 mil)
    Return on Equity (ROE): 5.53% ($1.2 mil)
    Quarterly return on equity: 5.05% ($1.1 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.60% ($1,432.4 mil)
    Quarterly Pretax return on assets: 0.59% ($1,408.6 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
  • 65Total employees (full-time equivalent)
  • $238,740Total assets
  • $15,710Cash and due from depository institutions
  • $14,049Interest-bearing balances
  • $33,915Securities
  • $22Federal funds sold & reverse repurchase agreements
  • $176,791Net loans & leases
  • $2,197Loan loss allowance
  • $0Trading account assets
  • $1,711Bank premises and fixed assets
  • $1,716Other real estate owned
  • $0Goodwill and other intangibles
  • $238,740Life insurance assets
  • $8,875All other assets
  • $216,348Total liabilities and capital
  • $207,695Total liabilities
  • $176,833Total deposits
  • $207,695Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1830.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,051Trading liabilities
  • $0Other borrowed funds
  • $1,772Subordinated debt
  • $22,392All other liabilities
  • $22,392Total equity capital
  • $22,392Total bank equity capital
  • $7,843Perpetual preferred stock
  • $142Common stock
  • $0Surplus
  • $14,407Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $921Income earned, not collected on loans
  • $139Earning assets
  • $703Long-term assets (5+ years)
  • $224,777Average Assets, year-to-date
  • $90,790Average Assets, quarterly
  • $229,242Volatile liabilities
  • $235,698Insider loans
  • $178,137FHLB advances
  • $234,619Loans and leases held for sale
  • $3,417Unused loan commitments
  • $3,417Tier 1 (core) risk-based capital
  • $20,495Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,334Restructured Loans and leases
  • $1,403Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,784Total interest income
  • $2,046Total interest expense
  • $8,738Net interest income
  • $668Provision for loan and lease losses
  • $840Total noninterest income
  • $0Fiduciary activities
  • $396Service charges on deposit accounts
  • $0Trading account gains & fees
  • $444Additional noninterest income
  • $7,944Total noninterest expense
  • $3,945Salaries and employee benefits
  • $1,202Premises and equipment expense
  • $2,797Additional noninterest expense
  • $966Pre-tax net operating income
  • $420Securities gains (losses)
  • $283Applicable income taxes
  • $1,103Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,103Net income attributable to bank
  • $0Net charge-offs
  • $1,103Cash dividends
  • $1,110Sale, conversion, retirement of capital stock, net
  • $340Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 5.53%Return on equity (ROE)
  • 3.82%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 60.18%Credit loss provision to net charge-offs
  • 1.47%Efficiency ratio
  • 82,940Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.83%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 238.55%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 85.12%Net loans and leases to core deposits
  • 90.08%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 8.74%Tier 1 risk-based capital ratio
  • 11.51%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $229,242Average earning assets
  • $19,951Average equity
  • $213,863Average loans

List of branches

  • 4 New Hampshire Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04189The First Colebrook Bank132 Main Street, Colebrook, NH 3576November 01, 1889Full Service Brick and Mortar
    1208980Concord Branch100 Loudon Road, Concord, NH 3301May 14, 1997Full Service Brick and Mortar
    3430736Amherst Branch69 Route 101a, Amherst, NH 3031August 02, 2004Full Service Brick and Mortar
    4494742Portsmouth Branch2400 Lafayette Road, Portsmouth, NH 3802August 31, 2009Full Service Brick and Mortar

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