Form990-PF


Department of the Treasury
Internal Revenue Service

Return of Private Foundation
or Section 4947(a)(1) Trust Treated as Private Foundation
bulletDo not enter social security numbers on this form as it may be made public.
bulletGo to www.irs.gov/Form990PF for instructions and the latest information.
OMB No. 1545-0047
2021
Open to Public Inspection
For calendar year 2021, or tax year beginning 01-01-2021 , and ending 12-31-2021
Name of foundation
ST MARY'S BANK CHARITABLE FOUNDATION
 
Number and street (or P.O. box number if mail is not delivered to street address)200 MCGREGOR ST
  Room/suite
City or town, state or province, country, and ZIP or foreign postal code
MANCHESTER, NH03102
A Employer identification number

84-3254128
B Telephone number (see instructions)

(603) 669-4600
C bullet
G Check all that apply:

D 1. Foreign organizations, check here............. bullet
2. Foreign organizations meeting the 85%
test, check here and attach computation ... bullet
E bullet
H Check type of organization:
F bullet
I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16)bullet$3,336,235J Accounting method:
 
(Part I, column (d) must be on cash basis.)
Part I Analysis of Revenue and Expenses (The total of amounts in columns (b), (c), and (d) may not necessarily equal the amounts in column (a) (see instructions).) (a) Revenue and
expenses per
books 		(b) Net investment
income 		(c) Adjusted net
income 		(d) Disbursements
for charitable
purposes
(cash basis only)
Revenue 1 Contributions, gifts, grants, etc., received (attach schedule) 1,500,000
2 Check bullet.............
3 Interest on savings and temporary cash investments      
4 Dividends and interest from securities... 56,786 56,786  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 -618
b Gross sales price for all assets on line 6a 381,333
7 Capital gain net income (from Part IV, line 2)... 0
8 Net short-term capital gain.........  
9 Income modifications...........  
10a Gross sales less returns and allowances  
b Less: Cost of goods sold....  
c Gross profit or (loss) (attach schedule).....    
11 Other income (attach schedule).......      
12 Total. Add lines 1 through 11........ 1,556,168 56,786  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 0 0   0
14 Other employee salaries and wages......        
15 Pension plans, employee benefits.......        
16a Legal fees (attach schedule).........        
b Accounting fees (attach schedule).......        
c Other professional fees (attach schedule)....        
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment 47 47   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule)....... Click to see attachment 33,729 33,702   0
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 33,776 33,749   0
25 Contributions, gifts, grants paid....... 0 0
26 Total expenses and disbursements. Add lines 24 and 25 33,776 33,749   0
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements 1,522,392
b Net investment income (if negative, enter -0-) 23,037
c Adjusted net income (if negative, enter -0-)...  
For Paperwork Reduction Act Notice, see instructions.
Cat. No. 11289X Form 990-PF (2021)
Form 990-PF (2021)
Page 2
Part II Balance Sheets Attached schedules and amounts in the description column
should be for end-of-year amounts only. (See instructions.) 		Beginning of year End of year
(a) Book Value (b) Book Value (c) Fair Market Value
Assets 1 Cash—non-interest-bearing............. 316 291 291
2 Savings and temporary cash investments......... 1,369,393 1,616,148 1,616,148
3 Accounts receivable bullet  
Less: allowance for doubtful accounts bullet        
4 Pledges receivable bullet  
Less: allowance for doubtful accounts bullet        
5 Grants receivable.................      
6 Receivables due from officers, directors, trustees, and other
disqualified persons (attach schedule) (see instructions).....      
7 Other notes and loans receivable (attach schedule) bullet  
Less: allowance for doubtful accounts bullet        
8 Inventories for sale or use..............      
9 Prepaid expenses and deferred charges..........      
10a Investments—U.S. and state government obligations (attach schedule)      
b Investments—corporate stock (attach schedule)....... 315,361 Click to see attachment885,140 885,140
c Investments—corporate bonds (attach schedule)....... 297,038 Click to see attachment826,179 826,179
11 Investments—land, buildings, and equipment: basis bullet  
Less: accumulated depreciation (attach schedule) bullet        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule)..........      
14 Land, buildings, and equipment: basis bullet  
Less: accumulated depreciation (attach schedule) bullet        
15 Other assets (describe bullet) Click to see attachment3,530 Click to see attachment8,477 Click to see attachment8,477
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 1,985,638 3,336,235 3,336,235
Liabilities 17 Accounts payable and accrued expenses..........    
18 Grants payable................. 100,000 360,000
19 Deferred revenue.................    
20 Loans from officers, directors, trustees, and other disqualified persons    
21 Mortgages and other notes payable (attach schedule)......    
22 Other liabilities (describe bullet)    
23 Total liabilities (add lines 17 through 22)......... 100,000 360,000
Net Assets or Fund Balances Foundations that follow FASB ASC 958, check here bullet
and complete lines 24, 25, 29 and 30.
24 Net assets without donor restrictions........... 1,885,638 2,976,235
25 Net assets with donor restrictions............    
Foundations that do not follow FASB ASC 958, check here bullet
and complete lines 26 through 30.
26 Capital stock, trust principal, or current funds........    
27 Paid-in or capital surplus, or land, bldg., and equipment fund    
28 Retained earnings, accumulated income, endowment, or other funds    
29 Total net assets or fund balances (see instructions)..... 1,885,638 2,976,235
30 Total liabilities and net assets/fund balances (see instructions). 1,985,638 3,336,235
Part III
Analysis of Changes in Net Assets or Fund Balances
1
Total net assets or fund balances at beginning of year—Part II, column (a), line 29 (must agree with end-of-year figure reported on prior year’s return) ...............
1
1,885,638
2
Enter amount from Part I, line 27a .....................
2
1,522,392
3
Other increases not included in line 2 (itemize) bulletClick to see attachment
3
58,205
4
Add lines 1, 2, and 3 ..........................
4
3,466,235
5
Decreases not included in line 2 (itemize) bulletClick to see attachment
5
490,000
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, column (b), line 29 .
6
2,976,235
Form 990-PF (2021)
Form 990-PF (2021)
Page 3
Part IV
Capital Gains and Losses for Tax on Investment Income
(a) List and describe the kind(s) of property sold (e.g., real estate,
2-story brick warehouse; or common stock, 200 shs. MLC Co.)		 (b)
How acquired
P—Purchase
D—Donation 		(c)
Date acquired
(mo., day, yr.) 		(d)
Date sold
(mo., day, yr.)
1 a SECURITIES SOLD   2020-12-31 2021-12-31
b
c
d
e
(e)
Gross sales price 		(f)
Depreciation allowed
(or allowable) 		(g)
Cost or other basis
plus expense of sale 		(h)
Gain or (loss)
(e) plus (f) minus (g)
a 381,333   381,951 -618
b
c
d
e
Complete only for assets showing gain in column (h) and owned by the foundation on 12/31/69 (l)
Gains (Col. (h) gain minus
col. (k), but not less than -0-) or
Losses (from col.(h))
(i)
F.M.V. as of 12/31/69 		(j)
Adjusted basis
as of 12/31/69 		(k)
Excess of col. (i)
over col. (j), if any
a       -618
b
c
d
e
2 Capital gain net income or (net capital loss) Bracket If gain, also enter in Part I, line 7
If (loss), enter -0- in Part I, line 7		 Bracket 2 -618
3 Net short-term capital gain or (loss) as defined in sections 1222(5) and (6):
If gain, also enter in Part I, line 8, column (c) (see instructions). If (loss), enter -0-
in Part I, line 8 ................... 		Bracket 3  
Form 990-PF (2021)
Form 990-PF (2021)
Page 4
Part V
Excise Tax Based on Investment Income (Section 4940(a), 4940(b), 4940(e), or 4948—see instructions)
1a Exempt operating foundations described in section 4940(d)(2), check here Bullet and enter “N/A" on line 1. Bracket for line 1a
Date of ruling or determination letter:   (attach copy of letter if necessary–see instructions)
b All other domestic foundations enter 1.39% (0.0139) of line 27b. Exempt foreign organizations enter 4% (0.04) of Part I, line 12, col. (b)
2 Tax under section 511 (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 2 0
3 Add lines 1 and 2........................... 3 320
4 Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 4 0
5 Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- ..... 5 320
6 Credits/Payments:
a 2021 estimated tax payments and 2020 overpayment credited to 2021 6a 58
b Exempt foreign organizations—tax withheld at source...... 6b 0
c Tax paid with application for extension of time to file (Form 8868)... 6c 1,600
d Backup withholding erroneously withheld ........... 6d 0
7 Total credits and payments. Add lines 6a through 6d.............. 7 1,658
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. 8 0
9 Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......Bullet 9  
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid...Bullet 10 1,338
11 Enter the amount of line 10 to be: Credited to 2022 estimated taxBullet1,338 RefundedBullet 11 0
Part VI-A
Statements Regarding Activities
1a
During the tax year, did the foundation attempt to influence any national, state, or local legislation or did
Yes
No
it participate or intervene in any political campaign? ....................
1a
 
No
b
Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions
for the definition.................................
1b
 
No
If the answer is "Yes" to 1a or 1b, attach a detailed description of the activities and copies of any materials
published or distributed by the foundation in connection with the activities.
c
Did the foundation file Form 1120-POL for this year?.....................
1c
 
No
d
Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:
(1) On the foundation. bullet$ 0(2) On foundation managers.bullet$ 0
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.bullet$ 0
2
Has the foundation engaged in any activities that have not previously been reported to the IRS?.......
2
 
No
If "Yes," attach a detailed description of the activities.
3
Has the foundation made any changes, not previously reported to the IRS, in its governing instrument, articles
of incorporation, or bylaws, or other similar instruments? If "Yes," attach a conformed copy of the changes....
3
 
No
4a
Did the foundation have unrelated business gross income of $1,000 or more during the year?.........
4a
 
No
b
If "Yes," has it filed a tax return on Form 990-T for this year?...................
4b
 
 
5
Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........
5
 
No
If "Yes," attach the statement required by General Instruction T.
6
Are the requirements of section 508(e) (relating to sections 4941 through 4945) satisfied either:
  • By language in the governing instrument, or
  • By state legislation that effectively amends the governing instrument so that no mandatory directions
    • that conflict with the state law remain in the governing instrument?................
    6
    Yes
     
    7
    Did the foundation have at least $5,000 in assets at any time during the year? If "Yes," complete Part II, col. (c),
    and Part XIV..................................
    7
    Yes
     
    8a
    Enter the states to which the foundation reports or with which it is registered (see instructions)
    bulletNH
    b
    If the answer is "Yes" to line 7, has the foundation furnished a copy of Form 990-PF to the Attorney
    General (or designate) of each state as required by General Instruction G? If "No," attach explanation .
    8b
    Yes
     
    9
    Is the foundation claiming status as a private operating foundation within the meaning of section 4942(j)(3)
    or 4942(j)(5) for calendar year 2021 or the taxable year beginning in 2021? See the instructions for Part XIII.
    If "Yes," complete Part XIII .............................
    9
     
    No
    10
    Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names
    and addresses. Click to see attachment...............................
    10
    Yes
     
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 5
    Part VI-A
    Statements Regarding Activities (continued)
    11
    At any time during the year, did the foundation, directly or indirectly, own a controlled entity within the
    meaning of section 512(b)(13)? If "Yes," attach schedule. See instructions .............
    11
     
    No
    12
    Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had
    advisory privileges? If "Yes," attach statement. See instructions.................
    12
     
    No
    13
    Did the foundation comply with the public inspection requirements for its annual returns and exemption application?
    13
    Yes
     
    Website addressbulletN/A
    14
    The books are in care ofbulletKEVIN NIHILL Telephone no.bullet (603) 669-4600

    Located atbullet200 MCGREGOR STMANCHESTERNH ZIP+4bullet03102
    15
    Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here .........bullet
    and enter the amount of tax-exempt interest received or accrued during the year ........bullet
    15
     
    16 At any time during calendar year 2021, did the foundation have an interest in or a signature or other authority over YesNo
    a bank, securities, or other financial account in a foreign country? .................
    16   No
    See the instructions for exceptions and filing requirements for FinCEN Form 114. If "Yes", enter the name of the foreign
    country bullet
    Part VI-B
    Statements Regarding Activities for Which Form 4720 May Be Required
    File Form 4720 if any item is checked in the "Yes" column, unless an exception applies.
    Yes
    No
    1a
    During the year did the foundation (either directly or indirectly):
    (1) Engage in the sale or exchange, or leasing of property with a disqualified person? ...........
    1a(1)
     
    No
    (2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)
    a disqualified person? ..............................
    1a(2)
     
    No
    (3) Furnish goods, services, or facilities to (or accept them from) a disqualified person? ...........
    1a(3)
     
    No
    (4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person? ............
    1a(4)
     
    No
    (5) Transfer any income or assets to a disqualified person (or make any of either available
    for the benefit or use of a disqualified person)? ......................
    1a(5)
     
    No
    (6) Agree to pay money or property to a government official? (Exception. Check "No"
    if the foundation agreed to make a grant to or to employ the official for a period
    after termination of government service, if terminating within 90 days.) ...............
    1a(6)
     
    No
    b
    If any answer is "Yes" to 1a(1)–(6), did any of the acts fail to qualify under the exceptions described in Regulations
    section 53.4941(d)-3 or in a current notice regarding disaster assistance? See instructions ..........
    1b
     
     
    c
    ........bullet
    d
    Did the foundation engage in a prior year in any of the acts described in 1a, other than excepted acts,
    that were not corrected before the first day of the tax year beginning in 2021? .............
    1d
     
    No
    2
    Taxes on failure to distribute income (section 4942) (does not apply for years the foundation was a private
    operating foundation defined in section 4942(j)(3) or 4942(j)(5)):
    a
    At the end of tax year 2021, did the foundation have any undistributed income (lines 6d
    and 6e, Part XII) for tax year(s) beginning before 2021?....................
    2a
    Yes
     
    If "Yes," list the years bullet2020, 2019, 20, 20
    b
    Are there any years listed in 2a for which the foundation is not applying the provisions of section 4942(a)(2)
    (relating to incorrect valuation of assets) to the year’s undistributed income? (If applying section 4942(a)(2)
    to all years listed, answer "No" and attach statement—see instructions.) ..............
    2b
    Yes
     
    c
    If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.
    bullet20, 20, 20, 20
    3a
    Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at
    any time during the year? ..............................
    3a
     
    No
    b
    If "Yes," did it have excess business holdings in 2021 as a result of (1) any purchase by the foundation
    or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved
    by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3)
    the lapse of the 10-, 15-, or 20-year first phase holding period? (Use Schedule C, Form 4720, to determine
    if the foundation had excess business holdings in 2021.) .....................
    3b
     
     
    4a
    Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?
    4a
     
    No
    b
    Did the foundation make any investment in a prior year (but after December 31, 1969) that could jeopardize its
    charitable purpose that had not been removed from jeopardy before the first day of the tax year beginning in 2021? ..
    4b
     
    No
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 6
    Part VI-B
    Statements Regarding Activities for Which Form 4720 May Be Required (continued)
    5a
    During the year did the foundation pay or incur any amount to:
    Yes
    No
    (1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))? ..........
    5a(1)
     
    No
    (2) Influence the outcome of any specific public election (see section 4955); or to carry
    on, directly or indirectly, any voter registration drive? ....................
    5a(2)
     
    No
    (3) Provide a grant to an individual for travel, study, or other similar purposes? .............
    5a(3)
     
    No
    (4) Provide a grant to an organization other than a charitable, etc., organization described
    in section 4945(d)(4)(A)? See instructions ........................
    5a(4)
     
    No
    (5) Provide for any purpose other than religious, charitable, scientific, literary, or
    educational purposes, or for the prevention of cruelty to children or animals? .............
    5a(5)
     
    No
    b
    If any answer is "Yes" to 5a(1)–(5), did any of the transactions fail to qualify under the exceptions described in
    Regulations section 53.4945 or in a current notice regarding disaster assistance? See instructions ........
    5b
     
     
    c
    .........bullet
    d
    If the answer is "Yes" to question 5a(4), does the foundation claim exemption from the
    tax because it maintained expenditure responsibility for the grant? .................
    5d
     
     
    If "Yes," attach the statement required by Regulations section 53.4945–5(d).
    6a
    Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on
    a personal benefit contract? .............................
    6a
     
    No
    b
    Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....
    6b
     
    No
    If "Yes" to 6b, file Form 8870.
    7a
    At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction?
    7a
     
    No
    b
    If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? .....
    7b
     
     
    8
    Is the foundation subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or
    excess parachute payment during the year? .........................
    8
     
    No
    Part VII
    Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
    and Contractors
    1 List all officers, directors, trustees, foundation managers and their compensation. See instructions
    (a) Name and address (b) Title, and average
    hours per week
    devoted to position     		(c) Compensation
     (If not paid, enter
    -0-)     		(d) Contributions to employee benefit plans and deferred compensation (e) Expense account,
    other allowances
    GUY D CHAPDELAINE CPA CHAIRMAN & DIRECTOR
    1.00     		0 0 0
    83 HITCHING POST LANE
    BEDFORD,NH03110
    RONALD H COVEY JR PRESIDENT
    1.00     		0 0 0
    25 WINTER DRIVE
    HOOKSETT,NH03106
    KENNETH L SENUS TREASURER
    1.00     		0 0 0
    6 MISTY LANE
    LONDONDERRY,NH03053
    ANNE M CANTY SECRETARY
    1.00     		0 0 0
    141 WESTWIND DRIVE
    MANCHESTER,NH03104
    GINA M BALKUS DIRECTOR
    1.00     		0 0 0
    8 HEARTHSIDE DRIVE
    NASHUA,NH03063
    DAVID H BELLMAN DIRECTOR
    1.00     		0 0 0
    15 MT ST MARYS WAY
    HOOKSETT,NH03106
    CRAIG S DONAIS DIRECTOR
    1.00     		0 0 0
    37 BUZZELL ST
    MANCHESTER,NH031045140
    DIANE P FITZPATRICK DIRECTOR
    1.00     		0 0 0
    120 LEXINGTON AVENUE
    MANCHESTER,NH03104
    STEPHEN G GRZYWACZ DIRECTOR
    1.00     		0 0 0
    405 CRESTVIEW CIRCLE
    MANCHESTER,NH03104
    DANIEL J HEALY DIRECTOR
    1.00     		0 0 0
    40 WINSLOW LANE
    CANDIA,NH03034
    ELIZABETH S C HITCHCOCK DIRECTOR
    1.00     		0 0 0
    633 RIVER ROAD
    MANCHESTER,NH03104
    2 Compensation of five highest-paid employees (other than those included on line 1—see instructions). If none, enter “NONE."
    (a) Name and address of each employee paid more than $50,000 (b) Title, and average
    hours per week
    devoted to position     		(c) Compensation (d) Contributions to
    employee benefit
    plans and deferred
    compensation     		(e) Expense account,
    other allowances
    NONE
    Total number of other employees paid over $50,000...................bullet 0
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 7
    Part VII
    Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
    and Contractors (continued)
    3 Five highest-paid independent contractors for professional services (see instructions). If none, enter "NONE".
    (a) Name and address of each person paid more than $50,000 (b) Type of service (c) Compensation
    NONE
    Total number of others receiving over $50,000 for professional services.............bullet0
    Part VIII-A
    Summary of Direct Charitable Activities
    List the foundation’s four largest direct charitable activities during the tax year. Include relevant statistical information such as the number of organizations and other beneficiaries served, conferences convened, research papers produced, etc. Expenses
    1  
    2  
    3  
    4  
    Part VIII-B
    Summary of Program-Related Investments (see instructions)
    Describe the two largest program-related investments made by the foundation during the tax year on lines 1 and 2. Amount
    1  
    2  
    All other program-related investments. See instructions.
    3  
    Total. Add lines 1 through 3.........................bullet0
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 8
    Part IX
    Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)
    1
    Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,
    purposes:
    a
    Average monthly fair market value of securities...................
    1a
    1,579,312
    b
    Average of monthly cash balances.......................
    1b
    397,513
    c
    Fair market value of all other assets (see instructions)................
    1c
    0
    d
    Total (add lines 1a, b, and c).........................
    1d
    1,976,825
    e
    Reduction claimed for blockage or other factors reported on lines 1a and
    1c (attach detailed explanation) .............
    1e
    0
    2
    Acquisition indebtedness applicable to line 1 assets..................
    2
    0
    3
    Subtract line 2 from line 1d.........................
    3
    1,976,825
    4
    Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
    instructions) .............................
    4
    29,652
    5
    Net value of noncharitable-use assets. Subtract line 4 from line 3. .......
    5
    1,947,173
    6
    Minimum investment return. Enter 5% (0.05) of line 5................
    6
    97,359
    Part X
    Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here right arrow and do not complete this part.)
    1
    Minimum investment return from Part IX, line 6..................
    1
    97,359
    2a
    Tax on investment income for 2021 from Part V, line 5.......
    2a
    320
    b
    Income tax for 2021. (This does not include the tax from Part V.) ...
    2b
     
    c
    Add lines 2a and 2b............................
    2c
    320
    3
    Distributable amount before adjustments. Subtract line 2c from line 1............
    3
    97,039
    4
    Recoveries of amounts treated as qualifying distributions................
    4
    0
    5
    Add lines 3 and 4............................
    5
    97,039
    6
    Deduction from distributable amount (see instructions).................
    6
    0
    7
    Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XII, line 1 ...
    7
    97,039
    Part XI
    Qualifying Distributions (see instructions)
    1
    Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:
    a
    Expenses, contributions, gifts, etc.—total from Part I, column (d), line 26 ..........
    1a
     
    b
    Program-related investments—total from Part VIII-B..................
    1b
     
    2
    Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,
    purposes...............................
    2
     
    3
    Amounts set aside for specific charitable projects that satisfy the:
    a
    Suitability test (prior IRS approval required)....................
    3a
     
    b
    Cash distribution test (attach the required schedule) .................
    3b
     
    4
    Qualifying distributions. Add lines 1a through 3b. Enter here and on Part XII, line 4.
    4
     
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 9
    Part XII
    Undistributed Income (see instructions)
    (a)
    Corpus     		(b)
    Years prior to 2020     		(c)
    2020     		(d)
    2021
    1 Distributable amount for 2021 from Part X, line 7 97,039
    2 Undistributed income, if any, as of the end of 2021:
    a Enter amount for 2020 only....... 52,161
    b Total for prior years:2019, 20, 20 4,133
    3 Excess distributions carryover, if any, to 2021:
    a From 2016......  
    b From 2017......  
    c From 2018......  
    d From 2019......  
    e From 2020...... 68,706
    f Total of lines 3a through e ........ 68,706
    4Qualifying distributions for 2021 from Part
    XI, line 4: bullet$ 0
    a Applied to 2020, but not more than line 2a 0
    b Applied to undistributed income of prior years
    (Election required—see instructions).....     		0
    c Treated as distributions out of corpus (Election
    required—see instructions)........     		0
    d Applied to 2021 distributable amount..... 0
    e Remaining amount distributed out of corpus 0
    5 Excess distributions carryover applied to 2021. 68,706 68,706
    (If an amount appears in column (d), the
    same amount must be shown in column (a).)
    6Enter the net total of each column as
    indicated below:
    a Corpus. Add lines 3f, 4c, and 4e. Subtract line 5 0
    b Prior years’ undistributed income. Subtract
    line 4b from line 2b ..........     		4,133
    c Enter the amount of prior years’ undistributed
    income for which a notice of deficiency has
    been issued, or on which the section 4942(a)
    tax has been previously assessed......     		0
    d Subtract line 6c from line 6b. Taxable amount
    —see instructions ...........     		4,133
    e Undistributed income for 2019. Subtract line
    4a from line 2a. Taxable amount—see
    instructions .............     		52,161
    f Undistributed income for 2021. Subtract
    lines 4d and 5 from line 1. This amount must
    be distributed in 2022 ..........     		28,333
    7 Amounts treated as distributions out of
    corpus to satisfy requirements imposed by
    section 170(b)(1)(F) or 4942(g)(3) (Election may
    be required - see instructions) .......     		0
    8 Excess distributions carryover from 2016 not
    applied on line 5 or line 7 (see instructions) ...     		0
    9 Excess distributions carryover to 2022.
    Subtract lines 7 and 8 from line 6a ......     		0
    10 Analysis of line 9:
    a Excess from 2017....  
    b Excess from 2018....  
    c Excess from 2019....  
    d Excess from 2020....  
    e Excess from 2021....  
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 10
    Part XIII
    Private Operating Foundations (see instructions and Part VI-A, question 9)
    1a If the foundation has received a ruling or determination letter that it is a private operating
    foundation, and the ruling is effective for 2021, enter the date of the ruling ....... bullet
     
    b Check box to indicate whether the organization is a private operating foundation described in section or
    2a Enter the lesser of the adjusted net
    income from Part I or the minimum
    investment return from Part X for each
    year listed ..........     		Tax year Prior 3 years (e) Total
    (a) 2021 (b) 2020 (c) 2019 (d) 2018
             
    b 85% (0.85) of line 2a .........          
    c Qualifying distributions from Part XI,
    line 4 for each year listed .....     		         
    d Amounts included in line 2c not used directly
    for active conduct of exempt activities ..........     		         
    e Qualifying distributions made directly
    for active conduct of exempt activities.
    Subtract line 2d from line 2c ....     		         
    3 Complete 3a, b, or c for the
    alternative test relied upon:
    a “Assets" alternative test—enter:
    (1) Value of all assets ......          
    (2) Value of assets qualifying
    under section 4942(j)(3)(B)(i)    		          
    b “Endowment" alternative test— enter 2/3
    of minimum investment return shown in
    Part IX, line 6 for each year listed ..     		         
    c “Support" alternative test—enter:
    (1) Total support other than gross
    investment income (interest,
    dividends, rents, payments
    on securities loans (section
    512(a)(5)), or royalties) ....     		         
    (2) Support from general public
    and 5 or more exempt
    organizations as provided in
    section 4942(j)(3)(B)(iii)....     		         
    (3) Largest amount of support
    from an exempt organization    		          
    (4) Gross investment income          
    Part XIV
    Supplementary Information (Complete this part only if the foundation had $5,000 or more in
    assets at any time during the year—see instructions.)
    1Information Regarding Foundation Managers:
    aList any managers of the foundation who have contributed more than 2% of the total contributions received by the foundation
    before the close of any tax year (but only if they have contributed more than $5,000). (See section 507(d)(2).)
    bList any managers of the foundation who own 10% or more of the stock of a corporation (or an equally large portion of the
    ownership of a partnership or other entity) of which the foundation has a 10% or greater interest.
    2Information Regarding Contribution, Grant, Gift, Loan, Scholarship, etc., Programs:
    Check here bullet
    aThe name, address, and telephone number or e-mail address of the person to whom applications should be addressed:
    KEVIN NIHILL
    200 MCGREGOR STREET
    MANCHESTER,NH03102
    (603) 669-4600
    bThe form in which applications should be submitted and information and materials they should include:
    NO SPECIAL FORMAT
    cAny submission deadlines:
    NONE
    dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
    factors:
    NONE
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 11
    Part XIV
    Supplementary Information (continued)
    3 Grants and Contributions Paid During the Year or Approved for Future Payment
    Recipient If recipient is an individual,
    show any relationship to
    any foundation manager
    or substantial contributor
    		 Foundation
    status of
    recipient     		Purpose of grant or
    contribution     		Amount
    Name and address (home or business)
    aPaid during the year
    Total .................................bullet 3a 0
    bApproved for future payment
    Total .................................bullet 3b 0
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 12
    Part XV-A
    Analysis of Income-Producing Activities
    Enter gross amounts unless otherwise indicated. Unrelated business income Excluded by section 512, 513, or 514 (e)
    Related or exempt
    function income
    (See instructions.)
    1Program service revenue: (a)
    Business code     		(b)
    Amount     		(c)
    Exclusion code     		(d)
    Amount
    a
    b
    c
    d
    e
    f
    gFees and contracts from government agencies          
    2 Membership dues and assessments ....          
    3 Interest on savings and temporary cash
    investments ...........     		         
    4 Dividends and interest from securities ....          
    5 Net rental income or (loss) from real estate:
    aDebt-financed property......          
    bNot debt-financed property.....          
    6 Net rental income or (loss) from personal property          
    7 Other investment income .....          
    8 Gain or (loss) from sales of assets other than
    inventory ............     		    18 -618  
    9 Net income or (loss) from special events:          
    10 Gross profit or (loss) from sales of inventory          
    11 Other revenue: a
    b
    c
    d
    e
    12 Subtotal. Add columns (b), (d), and (e) .. 0 56,168 0
    13Total. Add line 12, columns (b), (d), and (e)..................
    13
    56,168
    (See worksheet in line 13 instructions to verify calculations.)
    Part XV-B
    Relationship of Activities to the Accomplishment of Exempt Purposes
    Line No.
    DownArrow     		Explain below how each activity for which income is reported in column (e) of Part XV-A contributed importantly to
    the accomplishment of the foundation’s exempt purposes (other than by providing funds for such purposes). (See
    instructions.)
    Form 990-PF (2021)
    Form 990-PF (2021)
    Page 13
    Part XVI
    Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations
    1
    Did the organization directly or indirectly engage in any of the following with any other organization described in section 501(c) (other than section 501(c)(3) organizations) or in section 527, relating to political organizations?
    Yes
    No
    a
    Transfers from the reporting foundation to a noncharitable exempt organization of:
    (1) Cash...................................
    1a(1)
     
    No
    (2) Other assets.................................
    1a(2)
     
    No
    b
    Other transactions:
    (1) Sales of assets to a noncharitable exempt organization....................
    1b(1)
     
    No
    (2) Purchases of assets from a noncharitable exempt organization..................
    1b(2)
     
    No
    (3) Rental of facilities, equipment, or other assets.......................
    1b(3)
     
    No
    (4) Reimbursement arrangements...........................
    1b(4)
     
    No
    (5) Loans or loan guarantees.............................
    1b(5)
     
    No
    (6) Performance of services or membership or fundraising solicitations................
    1b(6)
     
    No
    c
    Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............
    1c
     
    No
    d
    If the answer to any of the above is "Yes," complete the following schedule. Column (b) should always show the fair market value
    of the goods, other assets, or services given by the reporting foundation. If the foundation received less than fair market value
    in any transaction or sharing arrangement, show in column (d) the value of the goods, other assets, or services received.
    (a) Line No. (b) Amount involved (c) Name of noncharitable exempt organization (d) Description of transfers, transactions, and sharing arrangements
    2a
    Is the foundation directly or indirectly affiliated with, or related to, one or more tax-exempt organizations
    described in section 501(c) (other than section 501(c)(3)) or in section 527? ...........
    b
    If "Yes," complete the following schedule.

    (a) Name of organization (b) Type of organization (c) Description of relationship
    ST MARY'S BANK CREDIT UNION 501(C)(14) COMMON DIRECTORS
    Sign Here
    Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
    Bullet Bullet
    May the IRS discuss this return
    with the preparer shown below?
    See instructions.
    Signature of officer or trustee Date Title
    Paid Preparer Use Only Print/Type preparer's name Preparer's Signature Date PTIN
    Firm's name SmallBullet
    		 Firm's EIN SmallBullet
    Firm's address SmallBullet


    		 Phone no.
    Form 990-PF (2021)
    Additional Data


    Software ID:  
    Software Version:  


    Form 990PF - Special Condition Description:
    Special Condition Description
    Schedule B
    (Form 990)
    Department of the Treasury
    Internal Revenue Service
    Schedule of Contributors

    Arrow Bullet Attach to Form 990, 990-EZ, or 990-PF.
    Arrow Bullet Go to www.irs.gov/Form990 for the latest information.
    OMB No. 1545-0047
    2021
    Name of the organization
    ST MARY'S BANK CHARITABLE FOUNDATION
     
    Employer identification number

    84-3254128
    Organization type (check one):
    Filers of:
    Section:
    Form 990 or 990-EZ






    Form 990-PF




    Check if your organization is covered by the General Rule or a Special Rule.  
    Note: Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.
    General Rule
    Special Rules
    ......... Arrow Bullet $  
    Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
    990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
    or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
    990-EZ, or 990-PF).
    For Paperwork Reduction Act Notice, see the Instructions
    for Form 990, 990-EZ, or 990-PF.
    Cat. No. 30613XSchedule B (Form 990) (2021)
    Schedule B (Form 990) (2021) Page 2
    Name of organization
    ST MARY'S BANK CHARITABLE FOUNDATION
          		Employer identification number
    84-3254128
    Part I
    Contributors
    Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
    1
    ST MARY'S BANK CREDIT UNION
     
    PO BOX 990
     
    MANCHESTER, NH03105

    		$ 1,500,000


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    Schedule B (Form 990) (2021)
    Schedule B (Form 990) (2021)
    Page 3
    Name of organization
    ST MARY'S BANK CHARITABLE FOUNDATION
          		Employer identification number

    84-3254128
    Part II
    Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    Schedule B (Form 990) (2021)
    Schedule B (Form 990) (2021)
    Page 4
    Name of organization
    ST MARY'S BANK CHARITABLE FOUNDATION
          		Employer identification number

    84-3254128
    Part III
    Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) Arrow Bullet$  
    Use duplicate copies of Part III if additional space is needed.
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    Schedule B (Form 990) (2021)
    Additional Data


    Software ID:  
    Software Version:  

    TY 2021 InvestmentsCorpBondsSchedule
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Name of Bond End of Year Book Value End of Year Fair Market Value
    ABBOTT LABORATORIES 16,585 16,585
    ABBVIE INC 16,976 16,976
    AMERICA MOVIL SAB DE CV 13,832 13,832
    AMERICAN ELECTRIC POWER COMPANY INC 15,844 15,844
    AMERICAN TOWER CORP 10,631 10,631
    ANHEUSER-BUSCH INBEV WORLDWIDE INC 11,649 11,649
    APPLE INC 23,891 23,891
    AT&T INC 15,852 15,852
    BANK OF AMERICA CORP 29,796 29,796
    CITIGROUP INC 11,037 11,037
    COSTCO WHOLESALE CORP 11,637 11,637
    CVS HEALTH CORP 23,887 23,887
    DUKE ENERGY FLORIDA LLC 17,487 17,487
    ENERGY TRANSFER LP 11,463 11,463
    EOG RESOURCES INC 23,133 23,133
    EQUINOR ASA 20,339 20,339
    EXELON CORP 29,841 29,841
    GENERAL MOTORS FINANCIAL COMPANY INC 36,462 36,462
    GOLDMAN SACHS GROUP INC 11,117 11,117
    JEFFERIES GROUP LLC 11,097 11,097
    JPMORGAN CHASE & CO 21,328 21,328
    KINDER MORGAN INC 23,352 23,352
    KLA CORP 16,265 16,265
    LABORATORY CORPORATION OF AMERICA HOLDINGS 23,570 23,570
    LOWE'S COMPANIES INC 16,014 16,014
    MICROSOFT CORP 17,163 17,163
    MONDELEZ INTERNATIONAL INC 38,043 38,043
    MORGAN STANLEY 23,853 23,853
    NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP 20,187 20,187
    NORTHERN TRUST CORP 14,868 14,868
    ORACLE CORP 20,150 20,150
    PEPSICO INC 25,078 25,078
    PROLOGIS LP 20,122 20,122
    RAYTHEON TECHNOLOGIES CORP 16,792 16,792
    SOUTHERN CO 21,772 21,772
    STATE STREET CORP 15,482 15,482
    TOYOTA MOTOR CREDIT CORP 21,939 21,939
    TYSON FOODS INC 11,333 11,333
    UNION PACIFIC CORP 22,130 22,130
    UNITEDHEALTH GROUP INC 16,271 16,271
    VERIZON COMMUNICATIONS INC 16,673 16,673
    WELLS FARGO & CO 25,034 25,034
    WESTPAC BANKING CORP 16,204 16,204

    TY 2021 InvestmentsCorpStockSchedule
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Name of Stock End of Year Book Value End of Year Fair Market Value
    ACCENTURE CL A ORD 4,146 4,146
    ADOBE ORD 5,671 5,671
    AEGON FUNDING COMPANY LLC 12,859 12,859
    AFFILIATED MANAGERS GROUP INC 13,423 13,423
    ALLSTATE CORP 12,149 12,149
    ALLY FINANCIAL ORD 5,713 5,713
    AMAZON COM ORD 16,672 16,672
    AMERICAN ELECTRIC POWER ORD 8,897 8,897
    AMERICAN FINANCIAL GROUP INC 13,715 13,715
    AMERICAN WATER WORKS ORD 5,666 5,666
    AON CL A ORD 3,006 3,006
    APPLE ORD 3,551 3,551
    APPLIED MATERIAL ORD 9,442 9,442
    ARTHUR J GALLAGHER ORD 3,393 3,393
    ASML HOLDING ADR REP ORD 3,981 3,981
    AT&T INC 12,514 12,514
    AT&T INC 12,770 12,770
    AT&T ORD 6,396 6,396
    BCE ORD 5,724 5,724
    BERKSHIRE HATHAWAY CL B ORD 1,495 1,495
    BLACKSTONE ORD 3,882 3,882
    BROOKFIELD FINANCE INC 12,832 12,832
    BRUNSWICK CORP 12,665 12,665
    CARLYLE FINANCE LLC 13,156 13,156
    CHEVRON ORD 5,868 5,868
    CHRLS RIVER LABS ORD 5,652 5,652
    CINCINNATI FINANCIAL ORD 6,836 6,836
    CINTAS ORD 4,432 4,432
    CISCO SYSTEMS ORD 6,971 6,971
    CITIZENS FINANCIAL GROUP ORD 5,198 5,198
    CME GROUP CL A ORD 4,569 4,569
    CMS ENERGY CORP 12,162 12,162
    CNR:FXD INC OPPTYS N 163,848 163,848
    COCA-COLA ORD 8,882 8,882
    COMCAST CL A ORD 5,536 5,536
    CONOCOPHILLIPS ORD 2,887 2,887
    COSTCO WHOLESALE ORD 2,839 2,839
    CROWN CASTLE INTERNATIONAL REIT ORD 4,175 4,175
    DANAHER ORD 1,645 1,645
    DOMINION ENERGY ORD 3,928 3,928
    DTE ENERGY CO 12,662 12,662
    DUKE ENERGY CORP 12,262 12,262
    EDWARDS LIFESCIENCES ORD 6,478 6,478
    EMERSON ELECTRIC ORD 5,578 5,578
    ENTERGY MISSISSIPPI LLC 12,182 12,182
    ENTERGY ORD 5,633 5,633
    EQUINIX REIT ORD 8,458 8,458
    EVERSOURCE ENERGY ORD 5,459 5,459
    EXPEDIA GROUP ORD 12,650 12,650
    FIFTH THIRD BANCORP ORD 6,533 6,533
    FIRST HORIZON ORD 2,613 2,613
    GENERAL MILLS ORD 6,064 6,064
    GENUINE PARTS ORD 1,402 1,402
    HARTFORD FINANCIAL SERVICES GRUP ORD 6,904 6,904
    HCA HEALTHCARE ORD 5,138 5,138
    HOME DEPOT ORD 6,225 6,225
    INTEL ORD 1,803 1,803
    INTERNATIONAL PAPER ORD 4,698 4,698
    INTERPUBLIC GROUP OF COMPANIES ORD 1,498 1,498
    JPMORGAN CHASE ORD 7,126 7,126
    KEYCORP ORD 5,551 5,551
    LOCKHEED MARTIN ORD 5,331 5,331
    MARATHON PETROLEUM ORD 5,759 5,759
    MASTERCARD CL A ORD 8,983 8,983
    MCDONALD'S ORD 5,361 5,361
    MERCK & CO. INC. 5,365 5,365
    META PLATFORMS CL A ORD 1,682 1,682
    METLIFE ORD 3,125 3,125
    MICROSOFT ORD 13,453 13,453
    MID AMERICA APT COMMUNITI REIT ORD 11,472 11,472
    NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP 12,553 12,553
    NEWELL BRANDS ORD 4,368 4,368
    NEXTERA ENERGY CAPITAL HOLDINGS INC 13,052 13,052
    NEXTERA ENERGY ORD 1,867 1,867
    NORTHROP GRUMMAN ORD 3,871 3,871
    NXP SEMICONDUCTORS ORD 5,695 5,695
    OLD DOMINION FREIGHT LINE ORD 5,376 5,376
    PAYCHEX ORD 8,190 8,190
    PEPSICO ORD 5,211 5,211
    PFIZER ORD 8,267 8,267
    PROCTOR & GAMBLE ORD 6,543 6,543
    PROLOGIS REIT 13,469 13,469
    PRUDENTIAL FINANCIAL INC 13,280 13,280
    QUALCOMM ORD 6,400 6,400
    REINSURANCE GROUP OF AMERICA INC 13,193 13,193
    ROPER TECHNOLOGIES ORD 4,919 4,919
    S&P GLOBAL ORD 2,360 2,360
    SEMPRA ENERGY 12,576 12,576
    SHERWIN WILLIAMS ORD 5,282 5,282
    SONOCO PRODUCTS ORD 4,631 4,631
    SOUTHERN CO 13,284 13,284
    STARBUCKS ORD 1,170 1,170
    SYNCHRONY FINANCIAL ORD 5,103 5,103
    T MOBILE US ORD 4,059 4,059
    THERMO FISHER SCIENTIFIC ORD 6,672 6,672
    TRANSUNION ORD 5,929 5,929
    UNITED RENTAL ORD 3,323 3,323
    UNITEDHEALTH GRP ORD 10,043 10,043
    VERIZON COMMUNICATIONS ORD 7,274 7,274
    VISA CL A ORD 4,334 4,334
    W R BERKLEY CORP 12,549 12,549
    WALMART ORD 4,341 4,341
    WALT DISNEY ORD 3,098 3,098
    WILLIAMS ORD 2,604 2,604
    ZOETIS CL A ORD 3,660 3,660

    TY 2021 OtherAssetsSchedule
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Description Beginning of Year - Book Value End of Year - Book Value End of Year - Fair Market Value
    ACCRUED INTEREST 3,530 8,477 8,477


    TY 2021 OtherDecreasesSchedule
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Description Amount
    PRIOR PERIOD ADJUSTMENT - GRANT COMMITMENTS 490,000


    TY 2021 OtherExpensesSchedule
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Description Revenue and Expenses per Books Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    OPERATING EXPENSES 27 0   0
    AMORTIZATION 18,325 18,325   0
    INVESTMENT MANAGEMENT FEES 15,377 15,377   0


    TY 2021 OtherIncreasesSchedule
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Description Amount
    UNREALIZED GAINS/LOSSES 58,205


    TY 2021 SubstantialContributorsSch
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Name Address
    ST MARY'S BANK CREDIT UNION
          		PO BOX 990
    MANCHESTER,NH03105


    TY 2021 TaxesSchedule
    Name:
    ST MARY'S BANK CHARITABLE FOUNDATION
    EIN:
    84-3254128
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    DIVIDEND TAXES WITHHELD 47 47   0