The Waldoboro Bank F.S.B. in Waldoboro, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 29, 2000

  • The Waldoboro Bank F.S.B. in Waldoboro, Maine (ME)
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The Waldoboro Bank F.S.B. - Overview

  • General
  • FDIC Certificate #: 30021
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Trust Company (#9)
    Federal Reserve ID: 830672
    Date Established: January 01, 1891
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4561
    FDIC's unique #: 42855
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: July 19, 1966
    Last Structure Change Effective Date: September 29, 2000
    Last Structure Change Process Date: November 20, 2000
    Last Data Update: November 20, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Route One, Waldoboro, ME 4572
    County: Lincoln
    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
  • Financial Summary
  • Total assets: $83.3 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $76,718Total assets
  • $4,403Cash and due from depository institutions
  • $2,264Interest-bearing balances
  • $7,107Securities
  • $1,375Federal funds sold & reverse repurchase agreements
  • $60,521Net loans & leases
  • $464Loan loss allowance
  • $0Trading account assets
  • $1,621Bank premises and fixed assets
  • $0Other real estate owned
  • $92Goodwill and other intangibles
  • $0Life insurance assets
  • $1,599All other assets
  • $76,718Total liabilities and capital
  • $71,313Total liabilities
  • $58,011Total deposits
  • $53,567Interest-bearing deposits
  • $58,011Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $12,715Other borrowed funds
  • $0Subordinated debt
  • $587All other liabilities
  • $5,405Total equity capital
  • $5,405Total bank equity capital
  • $5,405Perpetual preferred stock
  • $0Common stock
  • $203Surplus
  • $1,110Undivided profits
  • Memoranda
  • $4,092Noncurrent loans and leases
  • $3,865Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $153Earning assets
  • $0Long-term assets (5+ years)
  • $296Average Assets, year-to-date
  • $71,267Average Assets, quarterly
  • $0Volatile liabilities
  • $73,441Insider loans
  • $76,465FHLB advances
  • $22,373Loans and leases held for sale
  • $474Unused loan commitments
  • $12,715Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,865Total unused commitments
  • $0Restructured Loans and leases
  • $464Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $5,416Total interest income
  • $2,810Total interest expense
  • $2,606Net interest income
  • $74Provision for loan and lease losses
  • $408Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $408Additional noninterest income
  • $2,293Total noninterest expense
  • $1,120Salaries and employee benefits
  • $508Premises and equipment expense
  • $665Additional noninterest expense
  • $647Pre-tax net operating income
  • $103Securities gains (losses)
  • $253Applicable income taxes
  • $497Income before extraordinary items
  • $0Extraordinary gains - net
  • $497Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $145Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.94%Yield on earning assets
  • 4.12%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 9.33%Return on equity (ROE)
  • 6.60%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -3700.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,078Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.18%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 303.27%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 104.33%Net loans and leases to core deposits
  • 125.16%Equity capital to assets
  • 7.05%Core capital (leverage) ratio
  • 7.18%Tier 1 risk-based capital ratio
  • 12.06%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $73,441Average earning assets
  • $5,330Average equity
  • $68,184Average loans

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