The Monadnock Bank in Jaffrey, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 1993

  • The Monadnock Bank in Jaffrey, New Hampshire (NH)
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The Monadnock Bank - Overview

  • General
  • FDIC Certificate #: 6219
    Status: Inactive
    Closing history: Consolidated - Without Assistance
    Acquiring institution: CFX Bank (#17991)
    Federal Reserve ID: 556208
    Date Established: August 06, 1865
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 4194
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 12, 1993
    Last Structure Change Process Date: August 10, 1993
    Last Data Update: August 10, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 87 Main Street, Jaffrey, NH 3452
    County: Cheshire
    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): Keene, NH (#28300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $134.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $53Total assets
  • $136,397Cash and due from depository institutions
  • $4,089Interest-bearing balances
  • $0Securities
  • $21,572Federal funds sold & reverse repurchase agreements
  • $1,150Net loans & leases
  • $97,328Loan loss allowance
  • $2,199Trading account assets
  • $2,001Bank premises and fixed assets
  • $3,123Other real estate owned
  • $3,258Goodwill and other intangibles
  • $3,063Life insurance assets
  • $813All other assets
  • $0Total liabilities and capital
  • $136,397Total liabilities
  • $124,318Total deposits
  • $121,748Interest-bearing deposits
  • $110,307Deposits held in domestic offices
  • 121748.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $747Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,823Total equity capital
  • $1,823Total bank equity capital
  • $12,079Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $7,308Undivided profits
  • Memoranda
  • $4,671Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,849Income earned, not collected on loans
  • $601Earning assets
  • $122,051Long-term assets (5+ years)
  • $9,356Average Assets, year-to-date
  • $144,294Average Assets, quarterly
  • $137,081Volatile liabilities
  • $6,097Insider loans
  • $170FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,710Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,266Total risk weighted assets
  • $87,118Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,521Total interest expense
  • $5,486Net interest income
  • $6,035Provision for loan and lease losses
  • $920Total noninterest income
  • $804Fiduciary activities
  • $0Service charges on deposit accounts
  • $484Trading account gains & fees
  • $22Additional noninterest income
  • $298Total noninterest expense
  • $5,944Salaries and employee benefits
  • $2,316Premises and equipment expense
  • $765Additional noninterest expense
  • $2,863Pre-tax net operating income
  • -$25Securities gains (losses)
  • $183Applicable income taxes
  • $145Income before extraordinary items
  • $13Extraordinary gains - net
  • $0Net income attributable to bank
  • $13Net charge-offs
  • $610Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.93%Cost of funding earning assets
  • 4.25%Net interest margin
  • 4.68%Noninterest income to earning assets
  • 0.62%Noninterest expense to earning assets
  • 4.61%Net operating income to assets
  • -0.07%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.11%Return on equity (ROE)
  • 0.11%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 0.59%Credit loss provision to net charge-offs
  • 150.82%Efficiency ratio
  • 85,436Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 77.18%Noncurrent assets plus other real estate owned to assets
  • 4.48%Noncurrent loans to loans
  • 2.86%Net loans and leases to deposits
  • 79.94%Net loans and leases to core deposits
  • 83.62%Equity capital to assets
  • 8.86%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 12.93%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $144,294Average earning assets
  • $12,046Average equity
  • $129,021Average loans

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