Village Bank & Trust Company in Gilford, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 2005

  • Village Bank & Trust Company in Gilford, New Hampshire (NH)
  • Show street view No street view available for this location

Village Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 23675
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Laconia Savings Bank (#18012)
    Federal Reserve ID: 251008
    Date Established: Febuary 16, 1982
    WWW: http://www.vbtnh.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 10903
    FDIC's unique #: 16564
    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: Febuary 16, 1982
    Last Structure Change Effective Date: October 01, 2005
    Last Structure Change Process Date: October 19, 2005
    Last Data Update: October 19, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: One Country Club Road, Gilford, NH 3246
    County: Belknap
    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
    Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Laconia, NH (#29060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $77.1 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, 2004)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $77,460Total assets
  • $4,604Cash and due from depository institutions
  • $1,663Interest-bearing balances
  • $24,114Securities
  • $6,240Federal funds sold & reverse repurchase agreements
  • $38,981Net loans & leases
  • $422Loan loss allowance
  • $0Trading account assets
  • $363Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,158All other assets
  • $77,460Total liabilities and capital
  • $68,779Total liabilities
  • $67,662Total deposits
  • $58,481Interest-bearing deposits
  • $67,662Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $225Other borrowed funds
  • $0Subordinated debt
  • $892All other liabilities
  • $8,681Total equity capital
  • $8,681Total bank equity capital
  • $8,681Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $1,331Undivided profits
  • Memoranda
  • $6,850Noncurrent loans and leases
  • $5,507Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $187Earning assets
  • $0Long-term assets (5+ years)
  • $317Average Assets, year-to-date
  • $70,998Average Assets, quarterly
  • $3,491Volatile liabilities
  • $80,058Insider loans
  • $81,878FHLB advances
  • $3,963Loans and leases held for sale
  • $21Unused loan commitments
  • $225Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,507Total unused commitments
  • $0Restructured Loans and leases
  • $422Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $3,286Total interest income
  • $300Total interest expense
  • $2,986Net interest income
  • $25Provision for loan and lease losses
  • $411Total noninterest income
  • $0Fiduciary activities
  • $186Service charges on deposit accounts
  • $0Trading account gains & fees
  • $225Additional noninterest income
  • $2,514Total noninterest expense
  • $1,543Salaries and employee benefits
  • $188Premises and equipment expense
  • $783Additional noninterest expense
  • $858Pre-tax net operating income
  • $0Securities gains (losses)
  • $130Applicable income taxes
  • $728Income before extraordinary items
  • $0Extraordinary gains - net
  • $728Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $289Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 8.61%Return on equity (ROE)
  • 5.19%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 64.10%Credit loss provision to net charge-offs
  • 22.64%Efficiency ratio
  • 74,006Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.70%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 225.67%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 57.61%Net loans and leases to core deposits
  • 61.20%Equity capital to assets
  • 11.21%Core capital (leverage) ratio
  • 10.84%Tier 1 risk-based capital ratio
  • 19.91%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $80,058Average earning assets
  • $8,459Average equity
  • $72,961Average loans

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