First Colebrook Bank

132 Main Street
Colebrook, NH 03576
1-888-225-1782
www.firstcolebrookbank.com

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First Colebrook Bank is headquartered in Colebrook and is the 17^st largest bank in the state of New Hampshire. It is also the 2,730^th largest bank in the nation. It was established in 1889 and as of September of 2011, it had grown to 64 employees at 4 locations. First Colebrook Bank has a 4-star health rating.

3.65% Reward Checking Account at First Colebrook Bank in New Hampshire - 1/27/2009

Update 7/11/09: The top rate has fallen to 3.65% APY.First Colebrook Bank is offering a reward checking account called Moose Rewards Checking. It pays 3.65% APY on balances up to $30,000 (1.01% for above) and refunds ATM fees nationwide up to $50 per...

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Colebrook Bank Checking Account Rates

Apy	Min	Max	Product
2.45%	-	$25k	Moose Rewards Checking
1.50%	$20k	-	Not-For-Profit Checking
0.10%	$500	-	NOW Account

First Colebrook Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	$100	-	Statement Savings
0.25%	-	-	Health Savings
0.10%	$100	-	Passbook Savings

First Colebrook Bank Money Market Rates

	Apy	Min	Max	Product
	0.61%	$100k	-	Bull Moose Money Market

First Colebrook Bank CD Rates

Apy	Min	Max	Product
1.79%	$1k	-	60 Month CD
1.53%	$1k	-	48 Month CD
1.27%	$1k	-	36 Month Add-On Special CD
0.97%	$1k	-	30 Month CD
0.92%	$1k	-	27 Month Bump-Out Special CD
0.81%	$1k	-	24 Month CD
0.76%	$1k	-	23 Month Bump-Up Special CD
0.61%	$1k	-	18 Month CD
0.51%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month CD

First Colebrook Bank IRA Rates

Apy	Min	Max	Product
1.79%	-	-	60 Month IRA
1.79%	-	-	60 Month Roth IRA
1.79%	-	-	60 Month SEP IRA
1.53%	-	-	48 Month IRA
1.53%	-	-	48 Month Roth IRA
1.53%	-	-	48 Month SEP IRA
1.50%	-	-	36 Month IRA
1.50%	-	-	36 Month Roth IRA
1.50%	-	-	36 Month SEP IRA
0.97%	-	-	30 Month IRA
0.97%	-	-	30 Month Roth IRA
0.97%	-	-	30 Month SEP IRA
0.92%	-	-	27 Month Bump-Out Special IRA
0.92%	-	-	27 Month Bump-Out Special Roth IRA
0.92%	-	-	27 Month Bump-Out Special SEP IRA
0.81%	-	-	24 Month IRA
0.81%	-	-	24 Month Roth IRA
0.81%	-	-	24 Month SEP IRA
0.76%	-	-	23 Month Bump-Up Special IRA
0.76%	-	-	23 Month Bump-Up Special Roth IRA
0.76%	-	-	23 Month Bump-Up Special SEP IRA
0.61%	-	-	18 Month IRA
0.61%	-	-	18 Month Roth IRA
0.61%	-	-	18 Month SEP IRA
0.51%	-	-	12 Month IRA
0.51%	-	-	12 Month Roth IRA
0.51%	-	-	12 Month SEP IRA
0.25%	-	-	6 Month IRA Savings Plan
0.25%	-	-	6 Month Roth IRA Savings Plan
0.25%	-	-	6 Month SEP IRA Savings Plan

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

The First Colebrook Bank
FDIC Certificate #	6212
BankRate Report	View
Year Established	1889
Employees	64
Primary Regulator	FDIC
Assets and Liabilities
Assets	$232.66 million
Loans	$172.17 million
Deposits	$201.26 million
Equity Capital	$22.44 million
Loan Loss Allowance	$2.18 million
Unbacked Noncurrent Loans	$1.25 million
Real Estate Owned	$1.58 million
Historic Data - September 2010
Assets	$222.63 million
Equity Capital	$18.07 million
Loan Loss Allowance	$2.62 million
Unbacked Noncurrent Loans	$1.57 million
Real Estate Owned	$1.03 million
Profit Margin - Quarterly
Net Interest Margin	4.14%
Return on Assets	0.48%
Return on Equity	5.65%
Interest Income	$8.13 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First Colebrook Bank had $2.84 million in non-current loans and owned real-estate with $24.62 million in equity and loan loss allowances on hand to cover it. This gives First Colebrook Bank a Texas Ratio of 11.51% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First Colebrook Bank held steady from 7.97% as of September 30, 2010 to 11.51% as of September 30, 2011, resulting in a negative change of 44.45%. This indicates that the balance sheet and financial strength for First Colebrook Bank has held steady in recent periods.
Deposit Growth
In the past year, First Colebrook Bank has increased its total deposits by $2.95 million, resulting in 1.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Colebrook Bank has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Colebrook Bank has $232.66 million in assets with $24.62 million in equity, resulting in a capitalization level of 10.58%, which is above average.

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First Colebrook Bank

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