The First National Bank of Suffield in city_name, state_name

The First National Bank of Suffield in Suffield, Connecticut (CT)
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The First National Bank of Suffield routing number info

The First National Bank of Suffield - Overview

General
FDIC Certificate #: 2526
Status: Active
Federal Reserve ID: 115100
Bank Holding Company (Regulatory Top Holder): First Suffield Financial, Inc. (RSSDID: 3431007, Location: Suffield, CT)
Date Established: June 01, 1864
WWW: http://www.fnbanksuffield.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 11912
FDIC's unique #: 1648
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 30 Bridge Street, Suffield, CT 6078
County: Hartford
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Hartford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Hartford, CT (#3280)
Combined Statistical Area (CSA): Hartford-West Hartford-Willimantic, CT (#278)
Core Based Statistical Area (CBSA): Hartford-West Hartford-East Hartford, CT (#25540)
CBSA Metro Statistical Area: Hartford-West Hartford-East Hartford, CT (#25540)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $214.3 mil
Equity capital: $22.5 mil
Deposits held in domestic offices: $185.4 mil
Return on assets (ROA): 0.71% ($1.5 mil)
Quarterly return on assets: 0.97% ($2.1 mil)
Return on Equity (ROE): 6.84% ($1.5 mil)
Quarterly return on equity: 9.31% ($2.0 mil)
Net income: $1.5 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.13% ($2,422.1 mil)
Quarterly Pretax return on assets: 1.52% ($3,258.1 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
42Total employees (full-time equivalent)
$214,349Total assets
$35,452Cash and due from depository institutions
$32,409Interest-bearing balances
$28,355Securities
$0Federal funds sold & reverse repurchase agreements
$140,540Net loans & leases
$1,480Loan loss allowance
$0Trading account assets
$1,908Bank premises and fixed assets
$98Other real estate owned
$397Goodwill and other intangibles
$214,349Life insurance assets
$7,599All other assets
$191,895Total liabilities and capital
$185,366Total liabilities
$142,802Total deposits
$185,366Interest-bearing deposits
$90Deposits held in domestic offices
4737.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$848Trading liabilities
$0Other borrowed funds
$944Subordinated debt
$22,454All other liabilities
$22,454Total equity capital
$22,454Total bank equity capital
$0Perpetual preferred stock
$125Common stock
$1,000Surplus
$21,329Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,099Income earned, not collected on loans
$0Earning assets
$898Long-term assets (5+ years)
$201,304Average Assets, year-to-date
$69,694Average Assets, quarterly
$213,599Volatile liabilities
$214,902Insider loans
$110,827FHLB advances
$213,294Loans and leases held for sale
$3,670Unused loan commitments
$0Tier 1 (core) risk-based capital
$22,816Tier 2 risk-based capital
$0Total risk weighted assets
$3,670Total unused commitments
$25,002Restructured Loans and leases
$2,183Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,547Total interest income
$936Total interest expense
$6,611Net interest income
$60Provision for loan and lease losses
$1,514Total noninterest income
$0Fiduciary activities
$302Service charges on deposit accounts
$0Trading account gains & fees
$1,212Additional noninterest income
$5,659Total noninterest expense
$3,103Salaries and employee benefits
$482Premises and equipment expense
$2,074Additional noninterest expense
$2,406Pre-tax net operating income
$0Securities gains (losses)
$890Applicable income taxes
$1,516Income before extraordinary items
$0Extraordinary gains - net
$1,516Net income attributable to bank
$0Net charge-offs
$1,516Cash dividends
$59Sale, conversion, retirement of capital stock, net
$1,050Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.75%Yield on earning assets
0.47%Cost of funding earning assets
3.29%Net interest margin
0.75%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
0.71%Net operating income to assets
0.71%Return on assets (ROA)
1.13%Pretax return on assets
6.84%Return on equity (ROE)
2.10%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
101.69%Credit loss provision to net charge-offs
41.80%Efficiency ratio
69,649Assets per employee
5.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
69.26%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
70.51%Noncurrent assets plus other real estate owned to assets
1.02%Noncurrent loans to loans
1.48%Net loans and leases to deposits
75.82%Net loans and leases to core deposits
80.84%Equity capital to assets
10.48%Core capital (leverage) ratio
10.70%Tier 1 risk-based capital ratio
20.59%Total risk-based capital ratio
Memoranda
$22Average assets
$213,599Average earning assets
$22,162Average equity
$201,122Average loans

List of branches

4 Connecticut Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1648	The First National Bank Of Suffield	30 Bridge Street, Suffield, CT 6078	June 01, 1864	Full Service Brick and Mortar
1	192901	West Suffield Branch	1380 Mountain Road, West Suffield, CT 6093	October 07, 1974	Full Service Brick and Mortar
2	192902	East Granby Branch	3a Turkey Hills Road, East Granby, CT 6026	October 16, 1995	Full Service Brick and Mortar
3	441904	Windsor Locks Office Branch	6 National Drive, Windsor Locks, CT 6096	July 15, 2004	Full Service Brick and Mortar

The First National Bank of Suffield in Suffield, Connecticut (CT)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Suffield - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Suffield in Suffield, Connecticut (CT)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Suffield - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Suffield in Suffield, Connecticut (CT)
Overview, Financial Summary, Detailed Financial Reports, Branches