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

The Nashua Bank - Overview

  • General
  • FDIC Certificate #: 58627
    Status: Active
    Federal Reserve ID: 3637993
    Date Established: October 01, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 459464
    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: October 01, 2007
    Last Structure Change Effective Date: October 01, 2007
    Last Structure Change Process Date: October 01, 2007
    Last Data Update: October 01, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 188 Main Street, Nashua, NH 3060
    County: Hillsborough
    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): Nashua, NH (#5350)
    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): Manchester-Nashua, NH (#31700)
    CBSA Metro Statistical Area: Manchester-Nashua, NH (#31700)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $115.5 mil
    Equity capital: $16.2 mil
    Deposits held in domestic offices: $97.1 mil
    Return on assets (ROA): 0.21% ($0.2 mil)
    Quarterly return on assets: 0.22% ($0.3 mil)
    Return on Equity (ROE): 1.72% ($0.3 mil)
    Quarterly return on equity: 1.61% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.39% ($450.5 mil)
    Quarterly Pretax return on assets: 0.56% ($646.9 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
  • 22Total employees (full-time equivalent)
  • $115,524Total assets
  • $3,421Cash and due from depository institutions
  • $2,225Interest-bearing balances
  • $31,217Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $78,889Net loans & leases
  • $1,046Loan loss allowance
  • $0Trading account assets
  • $985Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $115,524Life insurance assets
  • $1,012All other assets
  • $99,347Total liabilities and capital
  • $97,094Total liabilities
  • $89,447Total deposits
  • $97,094Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,908Trading liabilities
  • $0Other borrowed funds
  • $345Subordinated debt
  • $16,177All other liabilities
  • $16,177Total equity capital
  • $16,177Total bank equity capital
  • $3,000Perpetual preferred stock
  • $1,261Common stock
  • $12,270Surplus
  • $-354Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,803Income earned, not collected on loans
  • $99Earning assets
  • $360Long-term assets (5+ years)
  • $112,331Average Assets, year-to-date
  • $51,516Average Assets, quarterly
  • $113,703Volatile liabilities
  • $115,596Insider loans
  • $71,413FHLB advances
  • $115,595Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,328Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,444Restructured Loans and leases
  • $1,350Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,074Total interest income
  • $1,005Total interest expense
  • $4,069Net interest income
  • $235Provision for loan and lease losses
  • $63Total noninterest income
  • $0Fiduciary activities
  • $44Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $3,457Total noninterest expense
  • $1,698Salaries and employee benefits
  • $343Premises and equipment expense
  • $1,416Additional noninterest expense
  • $440Pre-tax net operating income
  • $1Securities gains (losses)
  • $200Applicable income taxes
  • $241Income before extraordinary items
  • $0Extraordinary gains - net
  • $241Net income attributable to bank
  • $0Net charge-offs
  • $241Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $9Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.06%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 1.72%Return on equity (ROE)
  • 1.66%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 734.38%Credit loss provision to net charge-offs
  • 21.09%Efficiency ratio
  • 83,664Assets per employee
  • 5.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.73%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 58.01%Noncurrent assets plus other real estate owned to assets
  • 1.56%Noncurrent loans to loans
  • 2.26%Net loans and leases to deposits
  • 81.25%Net loans and leases to core deposits
  • 95.89%Equity capital to assets
  • 14.00%Core capital (leverage) ratio
  • 13.26%Tier 1 risk-based capital ratio
  • 21.46%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $113,703Average earning assets
  • $14,015Average equity
  • $110,164Average loans

List of branches

  • 1 New Hampshire Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0459464The Nashua Bank188 Main Street, Nashua, NH 3060October 01, 2007Full Service Brick and Mortar

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