NWYF SEC-arkivering - Northway Financial, Inc.- Årsrapport, fuldmagtserklæring, prospekt

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SEC Filings

All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Northway Financial, Inc.

SEC Filings (Chronological Order)

Denne side giver en komplet, kronologisk liste over SEC-arkiveringer, eksklusive ejerskabsregistreringer, som vi leverer andre steder.

February 9, 2024	SC 13G/A	NWYF / Northway Financial, Inc. / BANC FUNDS CO LLC - NONE Passive Investment SC 13G/A 1 doc1.htm NONE UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* NORTHWAY FINANCIAL INC (Name of Issuer) Common Stock (Title of Class of Securities) 667270201 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rul
February 7, 2023	SC 13G/A	NWYF / Northway Financial, Inc. / BANC FUNDS CO LLC - NONE Passive Investment SC 13G/A 1 doc1.htm NONE UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* NORTHWAY FINANCIAL INC (Name of Issuer) Common Stock (Title of Class of Securities) 667270201 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rul
February 9, 2022	SC 13G/A	NWYF / Northway Financial, Inc. / BANC FUNDS CO LLC - NONE Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* NORTHWAY FINANCIAL INC (Name of Issuer) Common Stock (Title of Class of Securities) 667270201 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this
February 12, 2021	SC 13G	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. n/a )* NORTHWAY FINANCIAL INC (Name of Issuer) Common Stock (Title of Class of Securities) (CUSIP Number) De SC 13G 1 doc1.htm NONE UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. n/a )* NORTHWAY FINANCIAL INC (Name of Issuer) Common Stock (Title of Class of Securities) 667270201 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the ru
February 14, 2011	SC 13G	SECURITIES AND EXCHANGE COMMISSION SC 13G 1 p11-0452sc13g.htm NORTHWAY FINANCIAL, INC. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G* (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2(b) Northway Financial, Inc. (Name of Issuer) Common Stock, $1.00 par value (Title of Class of Securities) 667270201 (CUSIP Numb
September 21, 2007	15-12G	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 15-12G 1 northwayfinancialincform15.htm NORTHWAY FINANCIAL, INC. FORM 15 SEPTEMBER 21, 2007 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commiss
September 21, 2007	SC 13E3/A	SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 5) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 5) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) Filing Statement) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 667270102 (CUSIP Number of Class of Securi
September 14, 2007	EX-3.2	State of New Hampshire EX-3.2 3 ex3-2articlesofamendment2.htm EX 3.2 NORTHWAY FINANCIAL INC. ARTICLES OF AMENDMENT 2, FILED WITH THE NEW HAMPSHIRE SECRETARY OF STATE ON SEPTEMBER 11, 2007 Exhibit 3.2 State of New Hampshire Filing fee: $35.00 Form No.14 Use black print or type. RSA 293-A:10.06 Form must be single-sided, on 8 ½ x11” paper; double sided copies will not be accepted. ARTICLES OF AMENDMENT TO THE ARTICLES OF
September 14, 2007	EX-99.1	FOR IMMEDIATE RELEASE Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE Berlin, NH, September 11, 2007. Northway Financial, Inc. (the “Company” or “Northway”) (NASDAQ: NWFI) filed amendments to its Articles of Incorporation, as amended, with the New Hampshire Secretary of State
September 14, 2007	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 11, 2007 NORTHWAY FINAN UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 11, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file n
September 14, 2007	EX-3.1	State of New Hampshire EX-3.1 2 ex3-1articlesofamendment1.htm EX 3.1 NORTHWAY FINANCIAL INC. ARTICLES OF AMENDMENT 1, FILED WITH THE NEW HAMPSHIRE SECRETARY OF STATE ON SEPTEMBER 11, 2007 Exhibit 3.1 State of New Hampshire Filing fee: $35.00 Form No.14 Use black print or type. RSA 293-A:10.06 Form must be single-sided, on 8 ½ x11” paper; double sided copies will not be accepted. ARTICLES OF AMENDMENT TO THE ARTICLES OF
September 11, 2007	25	OMB APPROVAL OMB APPROVAL OMB Number: 3235-0080 Expires: February 28, 2009 Estimated average burden hours per response: 1.
August 29, 2007	EX-99.1	NORTHWAY FINANCIAL, INC. ANNOUNCES REVERSE AND FORWARD STOCK SPLITS AND ITS INTENTION TO VOLUNTARILY DELIST FROM NASDAQ Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES REVERSE AND FORWARD STOCK SPLITS AND ITS INTENTION TO VOLUNTARILY DELIST FROM NASDAQ Berlin, NH, August 28, 2007. At the Annual Meeting of Stockholders, the stockholders of
August 29, 2007	8-K	Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Other Events, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 28, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file numb
August 15, 2007	LETTER	LETTER Mail Stop 4561 June 12, 2007 By U.S. Mail and Facsimile to (617) 523-1231 Richard P. Orsillo Senior Vice President and Chief Financial Officer Northway Financial, Inc. 9 Main Street Berlin, New Hampshire 03570 Re: Northway Financial, Inc. Amendment No. 1 to Schedule 13E-3 filed May 24, 2007 File No. 005-78592 Preliminary Proxy Statement on Schedule 14A File No. 000-23129-33 Dear Mr. Orsillo: We ha
August 8, 2007	EX-11	Three Months Ended June 30, 2007 EX-11 2 ex11earningspershare.htm EX-11 EARNINGS PER SHARE Exhibit 11. Statement re computation of per Share Earnings Three Months Ended June 30, 2007 Basic Earnings Per Share: Net Income $815,467.98 = $0.54 Weighted Average Number of Common Shares 1,494,174 Diluted Earnings Per Share: Net Income $815,467.98 = $815,467.98 = $0.54 Weighted Average Number of Common Shares Adjusted for Effect of Outst
August 8, 2007	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 1, 2007	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 1, 2007 NORTHWAY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 1, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file numbe
August 1, 2007	EX-99.1	NORTHWAY FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, August 1, 2007. Northway Financial, Inc. (the “Company”) (NASDAQ: NWFI) reported net income for the quart
July 13, 2007	EX-99.12	EX-99.12 Exhibit 99.12
July 13, 2007	EX-99.1	Cost-Benefit Analysis: Reverse Stock Split Presented to: Prepared by: August 2, 2006 < /font> Exhibit 99.1 Cost-Benefit Analysis: Reverse Stock Split Presented to: Prepared by: August 2, 2006 Contents SUMMARY OF FINDINGS 1 REVERSE STOCK SPLIT 2 ADVANTAGES 2 DISADVANTAGES 3 PRO FORMAS 3 OTHER CONSIDERATIONS 6 Northeast Capital & Advisory, Inc. Cost-Benefit Analysis Summary of Findings As of March 31, 2006, Northway Financial had approximately 1,491,174 shares of common stock outsta
July 13, 2007	SC 13E3/A	SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 3) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 3) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) Filing Statement) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 667270102 (CUSIP Number of Class of Securi
July 13, 2007	EX-99.5	Discussion Agenda Exhibit 99.5 Discussion Agenda I. Near Term Outlook for New England Banks § Interest rate environment § Demographic situation § Peer group performance comparison § Stock price implications II. Shareholder Strategies § Do nothing. § Forward split § Reverse split - To 500 shareholders (One share for approximately 300 shares)* § Reverse split - To 300 shareholders (One share for approximately 550 sha
July 13, 2007	EX-99.8	EX-99.8 EX-99.8 10 ex998nec13007.htm EX-99.8 NEC 01/30/07 ENCHANCING SHAREHOLDER VALUE THROUGH A REVERSE STOCK SPLIT Exhibit 99.8
July 13, 2007	EX-99.4	The Advantages and Disadvantages of Going Private Presented to: Prepared by: October 9, 2006 Exhibit 99.4 The Advantages and Disadvantages of Going Private Presented to: Prepared by: October 9, 2006 Northeast Capital & Advisory, Inc. Contents Advantages of Going Private § Less disclosure and reporting. A publicly traded company is subject to a much higher degree of ongoing disclosure and reporting than that of a private company. As such, companies that regain private status will immediate
July 13, 2007	EX-99.7	Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 EX-99.7 9 ex997nec12207.htm EX-99.7 NEC 01/22/07 IMPACT OF A REVERSE SPLIT 125 SHARES Exhibit 99.7 Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 To estimate the cash outlay of a 1 for 125 reverse split and then a 125 for 1 forward split, we first identified the approximate amount
July 13, 2007	EX-99.11	Exhbit 99.11 Exhbit 99.11
July 13, 2007	EX-99.13	Investor Relations Analysis Presented to: Prepared by: June 21, 2006 EX-99.13 15 ex9913nec062106.htm EX-99.13 NEC 06/21/06 INVESTOR RELATIONS ANALYSIS Exhibit 99.13 WHENEVER CONFIDENTIAL INFORMATION IS OMITTED HEREIN (SUCH OMISSIONS ARE DENOTED BY TEXT THAT IS BLACKED OUT), SUCH CONFIDENTIAL INFORMATION HAS BEEN SUBMITTED SEPARATELY TO THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT. Investor Relations Analysis Presented to:
July 13, 2007	EX-99.10	EX-99.10 Exhibit 99.10
July 13, 2007	EX-99.2	Typical Community Bank Shareholder Profile vs. NWFI Exhibit 99.2 Typical Community Bank Shareholder Profile vs. NWFI Institutional Holders Retail Holders Insiders2 New England Banks & Thrifts1 23.6% 60.2% 11.3% Peer Group1 13.8% 72.5% 11.6% NWFI 18.9% 64.1% 17.0% 1 - Median values for each group are shown above. 2 - Includes stock options. Average Daily Trading Volume (over 1 year) New England Banks & Thrifts Peer Group NWFI Shares 9,569 2,428 508
July 13, 2007	EX-99.14	WHENEVER CONFIDENTIAL INFORMATION IS OMITTED HEREIN (SUCH OMISSIONS ARE DENOTED BY TEST THAT IS GRAYED OUT), SUCH CONFIDENTIAL INFORMATION HAS BEEN SUBMITTED SEPARATELY TO THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR CONFIDENTIAL Exhibit 99.14 WHENEVER CONFIDENTIAL INFORMATION IS OMITTED HEREIN (SUCH OMISSIONS ARE DENOTED BY TEST THAT IS GRAYED OUT), SUCH CONFIDENTIAL INFORMATION HAS BEEN SUBMITTED SEPARATELY TO THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT.
July 13, 2007	EX-99.3	Summary of Key Findings Exhibit 99.3 Summary of Key Findings Report/ Analysis Date Conclusions Investor Relations Analysis 06/21/06 § The top 50 shareholders own 747,372 shares (or 50.12% of shares outstanding), while the bottom 100 shareholders own 1,451 shares (or 0.10% of shares outstanding). § Excluding objecting owners, 616 shareholders (or 50.45% of total) live within a 60 mile radius of Berlin, NH and hold approxi
July 13, 2007	EX-99.6	Transactions Over the Last Two Years Exhibit 99.6 Transactions Over the Last Two Years Cost Saves (Estimates) Company Name Ticker Proxy Date Date Splits Completed Assets ($000s) Splits Annual Recurring - Personnel Annual Recurring - Other Non-Recurring Total Shares(Prior to Splits) Shares Eliminated (Estimates) Reason 1 Home Loan Financial Corporation HLFN 7/13/2005 8/26/2005 160,342 1 for 600/ 600 for 1 65,000 200,000 34,200 1,699,9
July 13, 2007	EX-99.9	Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 Exhibit 99.9 Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 To estimate the cash outlay of a 1 for 350 reverse split and then a 350 for 1 forward split, we first identified the approximate amount for individual shareholders and NOBOs: § Purchase approximately 95,515 shares at $39.0
July 13, 2007	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, For Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Definit
July 12, 2007	8-K	Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 12, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file number
July 3, 2007	LETTER	LETTER UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549-0303 DIVISION OF CORPORATION FINANCE July 3, 2007 Via Facsimile (617) 523-1231 and U.S. Mail William P. Mayer Goodwin Procter LLP One Exchange Place Boston, MA 02109 Re: Northway Financial Inc. Schedule 13E-3/A filed on June 19, 2007 SEC File No. 5-78592 PRRN14A filed on June 19, 2007 SEC File No. 0-23129-33 Dear Mr. Mayer: We
June 20, 2007	EX-99.12	EX-99.12 Exhibit 99.12
June 20, 2007	EX-99.6	Transactions Over the Last Two Years Exhibit 99.6 Transactions Over the Last Two Years Cost Saves (Estimates) Company Name Ticker Proxy Date Date Splits Completed Assets ($000s) Splits Annual Recurring - Personnel Annual Recurring - Other Non-Recurring Total Shares(Prior to Splits) Shares Eliminated (Estimates) Reason 1 Home Loan Financial Corporation HLFN 7/13/2005 8/26/2005 160,342 1 for 600/ 600 for 1 65,000 200,000 34,200 1,699,9
June 20, 2007	EX-99.1	NORTHWAY FINANCIAL, INC. as Issuer Dated as of June 15, 2007 WELLS FARGO BANK, NATIONAL ASSOCIATION As Trustee JUNIOR SUBORDINATED DEBT SECURITIES Due June 15, 2037 TABLE OF CONTENTS Exhibit 99.1 NORTHWAY FINANCIAL, INC. as Issuer INDENTURE Dated as of June 15, 2007 WELLS FARGO BANK, NATIONAL ASSOCIATION As Trustee JUNIOR SUBORDINATED DEBT SECURITIES Due June 15, 2037 TABLE OF CONTENTS ARTICLE I DEFINITIONS SECTION 1.01. Definitions 1 ARTICLE II DEBT SECURITIES SECTION 2.01. Authentication and Dating 8 SECTION 2.02. Form of Trustee's Certificate of Authentication 9 SECTION 2.0
June 20, 2007	EX-99.2	AMENDED AND RESTATED DECLARATION OF TRUST NORTHWAY CAPITAL TRUST IV Dated as of June 15, 2007 TABLE OF CONTENTS ARTICLE I INTERPRETATION AND DEFINITIONS SECTION 1.1. Definitions 1 ARTICLE II ORGANIZATION SECTION 2.1. Name 9 SECTION 2.2. Office 9 SECT Exhibit 99.2 AMENDED AND RESTATED DECLARATION OF TRUST NORTHWAY CAPITAL TRUST IV Dated as of June 15, 2007 TABLE OF CONTENTS ARTICLE I INTERPRETATION AND DEFINITIONS SECTION 1.1. Definitions 1 ARTICLE II ORGANIZATION SECTION 2.1. Name 9 SECTION 2.2. Office 9 SECTION 2.3. Purpose 9 SECTION 2.4. Authority 9 SECTION 2.5. Title to Property of the Trust 10 SECTION 2.6. Powers and Duties of the Trustees
June 20, 2007	EX-99.3	Summary of Key Findings EX-99.3 5 ex993nec100506.htm EX-99.3 NEC 10/05/06 SUMMARY OF KEY FINDINGS Exhibit 99.3 Summary of Key Findings Report/ Analysis Date Conclusions Investor Relations Analysis 06/21/06 § The top 50 shareholders own 747,372 shares (or 50.12% of shares outstanding), while the bottom 100 shareholders own 1,451 shares (or 0.10% of shares outstanding). § Excluding objecting owners, 616 shareholders (or 50
June 20, 2007	EX-99.9	Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 Exhibit 99.9 Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 To estimate the cash outlay of a 1 for 350 reverse split and then a 350 for 1 forward split, we first identified the approximate amount for individual shareholders and NOBOs: § Purchase approximately 95,515 shares at $39.0
June 20, 2007	SC 13E3/A	SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 2) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 2) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) Filing Statement) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 667270102 (CUSIP Number of Class of Securi
June 20, 2007	EX-99.4	COMMON SECURITY CERTIFICATE Exhibit 99.4 COMMON SECURITY CERTIFICATE THIS COMMON SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS AND MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT PURSUANT TO AN EXEMPTION FROM REGISTRATION. EXCEPT AS SET FORTH IN SECTION 8.1 (b) OF THE DECLARATION (AS DEFINED BELOW), THIS SE
June 20, 2007	EX-99.5	Discussion Agenda Exhibit 99.5 Discussion Agenda I. Near Term Outlook for New England Banks § Interest rate environment § Demographic situation § Peer group performance comparison § Stock price implications II. Shareholder Strategies § Do nothing. § Forward split § Reverse split - To 500 shareholders (One share for approximately 300 shares)* § Reverse split - To 300 shareholders (One share for approximately 550 sha
June 20, 2007	EX-99.8	EX-99.8 EX-99.8 10 ex998nec13007.htm EX-99.8 NEC 01/30/07 ENCHANCING SHAREHOLDER VALUE THROUGH A REVERSE STOCK SPLIT Exhibit 99.8
June 20, 2007	EX-99.10	EX-99.10 EX-99.10 12 ex9910necmmdd07.htm EX-99.10 NEC 03/05/07 POTENTIAL IMPACT OF A REVERSE SPLIT 350 SHARES REVISED Exhibit 99.10
June 20, 2007	EX-99.2	Typical Community Bank Shareholder Profile vs. NWFI Exhibit 99.2 Typical Community Bank Shareholder Profile vs. NWFI Institutional Holders Retail Holders Insiders2 New England Banks & Thrifts1 23.6% 60.2% 11.3% Peer Group1 13.8% 72.5% 11.6% NWFI 18.9% 64.1% 17.0% 1 - Median values for each group are shown above. 2 - Includes stock options. Average Daily Trading Volume (over 1 year) New England Banks & Thrifts Peer Group NWFI Shares 9,569 2,428 508
June 20, 2007	EX-99.6	NORTHWAY FINANCIAL, INC. JUNIOR SUBORDINATED DEBT SECURITY DUE 2037 Exhibit 99.6 NORTHWAY FINANCIAL, INC. JUNIOR SUBORDINATED DEBT SECURITY DUE 2037 THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS. NEITHER THIS SECURITY NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE
June 20, 2007	PRER14A	Preliminary Copy Preliminary Copy UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: x Preliminary Proxy Statement ¨ Confidential, For Use of the Commission Only (as permi
June 20, 2007	EX-99.11	Exhbit 99.11 Exhbit 99.11
June 20, 2007	EX-99.14	WHENEVER CONFIDENTIAL INFORMATION IS OMITTED HEREIN (SUCH OMISSIONS ARE DENOTED BY TEST THAT IS GRAYED OUT), SUCH CONFIDENTIAL INFORMATION HAS BEEN SUBMITTED SEPARATELY TO THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR CONFIDENTIAL Exhibit 99.14 WHENEVER CONFIDENTIAL INFORMATION IS OMITTED HEREIN (SUCH OMISSIONS ARE DENOTED BY TEST THAT IS GRAYED OUT), SUCH CONFIDENTIAL INFORMATION HAS BEEN SUBMITTED SEPARATELY TO THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT.
June 20, 2007	EX-99.3	GUARANTEE AGREEMENT NORTHWAY FINANCIAL, INC. Dated as of June 15, 2007 TABLE OF CONTENTS Exhibit 99.3 GUARANTEE AGREEMENT NORTHWAY FINANCIAL, INC. Dated as of June 15, 2007 TABLE OF CONTENTS ARTICLE I DEFINITIONS AND INTERPRETATION SECTION 1.1. Definitions and Interpretation 1 ARTICLE II POWERS, DUTIES AND RIGHTS OF THE GUARANTEE TRUSTEE SECTION 2.1. Powers and Duties of the Guarantee Trustee 4 SECTION 2.2. Certain Rights of the Guarantee Trustee 5 SECTION 2.3. Not Responsible for Rec
June 20, 2007	EX-99.4	The Advantages and Disadvantages of Going Private Presented to: Prepared by: October 9, 2006 EX-99.4 6 ex994nec100906.htm EX-99.4 NEC 10/09/06 THE ADVANTAGES AND DISADVANTAGES OF GOING PRIVATE Exhibit 99.4 The Advantages and Disadvantages of Going Private Presented to: Prepared by: October 9, 2006 Northeast Capital & Advisory, Inc. Contents Advantages of Going Private § Less disclosure and reporting. A publicly traded company is subject to a much higher degree of ongoing disclosure and re
June 20, 2007	EX-99.5	CAPITAL SECURITY CERTIFICATE Exhibit 99.5 CAPITAL SECURITY CERTIFICATE THIS CAPITAL SECURITY IS A GLOBAL CAPITAL SECURITY WITHIN THE MEANING OF THE DECLARATION HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF THE DEPOSITORY TRUST COMPANY (“DTC”) OR A NOMINEE OF DTC. THIS CAPITAL SECURITY IS EXCHANGEABLE FOR CAPITAL SECURITIES REGISTERED IN THE NAME OF A PERSON OTHER THAN DTC OR ITS NOMINEE ONLY IN THE LIMITED CIRCUMST
June 20, 2007	EX-99.13	Investor Relations Analysis Presented to: Prepared by: June 21, 2006 Exhibit 99.13 WHENEVER CONFIDENTIAL INFORMATION IS OMITTED HEREIN (SUCH OMISSIONS ARE DENOTED BY TEXT THAT IS BLACKED OUT), SUCH CONFIDENTIAL INFORMATION HAS BEEN SUBMITTED SEPARATELY TO THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT. Investor Relations Analysis Presented to: Prepared by: June 21, 2006 Discussion Agenda Review Of Findings SECTION 1 Sharehol
June 20, 2007	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 15, 2007 NORTHWAY FINANCIAL, UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 15, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file number
June 20, 2007	EX-99.1	Cost-Benefit Analysis: Reverse Stock Split Presented to: Prepared by: August 2, 2006 < /font> Exhibit 99.1 Cost-Benefit Analysis: Reverse Stock Split Presented to: Prepared by: August 2, 2006 Contents SUMMARY OF FINDINGS 1 REVERSE STOCK SPLIT 2 ADVANTAGES 2 DISADVANTAGES 3 PRO FORMAS 3 OTHER CONSIDERATIONS 6 Northeast Capital & Advisory, Inc. Cost-Benefit Analysis Summary of Findings As of March 31, 2006, Northway Financial had approximately 1,491,174 shares of common stock outsta
June 20, 2007	EX-99.7	Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 Exhibit 99.7 Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 To estimate the cash outlay of a 1 for 125 reverse split and then a 125 for 1 forward split, we first identified the approximate amount for individual shareholders and NOBOs: § Purchase approximately 28,851 shares at $39.0
June 19, 2007	CORRESP	June 19, 2007 June 19, 2007 Jessica Livingston Senior Attorney U.S. Securities and Exchange 100 F Street, Mail Stop 4561 Washington, DC 20549 Re: Northway Financial, Inc. Amendment No. 2 to Schedule 13E-3 filed May 24, 2007 Amendment No. 1 to Preliminary Proxy Statement on Schedule 14A filed on May 24, 2007 Dear Ms. Livingston: This letter is submitted on behalf of Northway Financial, Inc. (the “Company”) in re
May 24, 2007	EX-99.3	Summary of Key Findings Exhibit 99.3 Summary of Key Findings Report/ Analysis Date Conclusions Investor Relations Analysis 06/21/06 § The top 50 shareholders own 747,372 shares (or 50.12% of shares outstanding), while the bottom 100 shareholders own 1,451 shares (or 0.10% of shares outstanding). § Excluding objecting owners, 616 shareholders (or 50.45% of total) live within a 60 mile radius of Berlin, NH and hold approxi
May 24, 2007	SC 13E3/A	SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 2) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 (AMENDMENT NO. 2) Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) Filing Statement) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 667270102 (CUSIP Number of Class of Securi
May 24, 2007	EX-99.4	The Advantages and Disadvantages of Going Private Presented to: Prepared by: October 9, 2006 Exhibit 99.4 The Advantages and Disadvantages of Going Private Presented to: Prepared by: October 9, 2006 Northeast Capital & Advisory, Inc. Contents Advantages of Going Private § Less disclosure and reporting. A publicly traded company is subject to a much higher degree of ongoing disclosure and reporting than that of a private company. As such, companies that regain private status will immediate
May 24, 2007	PRER14A	Preliminary Copy Preliminary Copy UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: x Preliminary Proxy Statement ¨ Confidential, For Use of the Commission Only (as permi
May 24, 2007	EX-99.7	Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 Exhibit 99.7 Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 To estimate the cash outlay of a 1 for 125 reverse split and then a 125 for 1 forward split, we first identified the approximate amount for individual shareholders and NOBOs: § Purchase approximately 28,851 shares at $39.0
May 24, 2007	CORRESP	May 24, 2007 9 Main Street, Berlin NH 03570 May 24, 2007 VIA EDGAR AND VIA FEDERAL EXPRESS Jessica Livingston, Senior Attorney Securities and Exchange Commission Division of Corporation Finance One Station Place Mail Stop 4561 100 F Street, N.
May 24, 2007	EX-99.11	Exhbit 99.11 Exhbit 99.11
May 24, 2007	EX-99.6	Transactions Over the Last Two Years Exhibit 99.6 Transactions Over the Last Two Years Cost Saves (Estimates) Company Name Ticker Proxy Date Date Splits Completed Assets ($000s) Splits Annual Recurring - Personnel Annual Recurring - Other Non-Recurring Total Shares(Prior to Splits) Shares Eliminated (Estimates) Reason 1 Home Loan Financial Corporation HLFN 7/13/2005 8/26/2005 160,342 1 for 600/ 600 for 1 65,000 200,000 34,200 1,699,9
May 24, 2007	EX-99.8	EX-99.8 Exhibit 99.8
May 24, 2007	EX-99.10	EX-99.10 Exhibit 99.10
May 24, 2007	EX-99.9	Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 Exhibit 99.9 Data as of March 31, 2006 Shares Shareholders Total Shares 1,731,969 Treasury 240,795 CEDE 802,496 NOBOs 335,424 OBOs 467,072 Individual SHs1& NOBOs 1,024,102 1,221 To estimate the cash outlay of a 1 for 350 reverse split and then a 350 for 1 forward split, we first identified the approximate amount for individual shareholders and NOBOs: § Purchase approximately 95,515 shares at $39.0
May 24, 2007	EX-99.12	EX-99.12 EX-99.12 14 ex9912nec41007.htm EX-99.12 NEC 04/10/07 POTENTIAL IMPACT OF A REVERSE SPLIT 400 SHARES Exhibit 99.12
May 24, 2007	EX-99.1	Cost-Benefit Analysis: Reverse Stock Split Presented to: Prepared by: August 2, 2006 < /font> Exhibit 99.1 Cost-Benefit Analysis: Reverse Stock Split Presented to: Prepared by: August 2, 2006 Contents SUMMARY OF FINDINGS 1 REVERSE STOCK SPLIT 2 ADVANTAGES 2 DISADVANTAGES 3 PRO FORMAS 3 OTHER CONSIDERATIONS 6 Northeast Capital & Advisory, Inc. Cost-Benefit Analysis Summary of Findings As of March 31, 2006, Northway Financial had approximately 1,491,174 shares of common stock outsta
May 24, 2007	EX-99.5	Discussion Agenda Exhibit 99.5 Discussion Agenda I. Near Term Outlook for New England Banks § Interest rate environment § Demographic situation § Peer group performance comparison § Stock price implications II. Shareholder Strategies § Do nothing. § Forward split § Reverse split - To 500 shareholders (One share for approximately 300 shares)* § Reverse split - To 300 shareholders (One share for approximately 550 sha
May 24, 2007	EX-99.2	Typical Community Bank Shareholder Profile vs. NWFI Exhibit 99.2 Typical Community Bank Shareholder Profile vs. NWFI Institutional Holders Retail Holders Insiders2 New England Banks & Thrifts1 23.6% 60.2% 11.3% Peer Group1 13.8% 72.5% 11.6% NWFI 18.9% 64.1% 17.0% 1 - Median values for each group are shown above. 2 - Includes stock options. Average Daily Trading Volume (over 1 year) New England Banks & Thrifts Peer Group NWFI Shares 9,569 2,428 508
May 15, 2007	LETTER	LETTER Mail Stop 4561 May 15, 2007 By U.S. Mail and Facsimile to (617) 523-1231 Richard P. Orsillo Senior Vice President and Chief Financial Officer Northway Financial, Inc. 9 Main Street Berlin, New Hampshire 03570 Re: Northway Financial, Inc. Schedule 13E-3 filed April 16, 2007 File No. 005-78592 Preliminary Proxy Statement on Schedule 14A File No. 000-23129-33 Dear Mr. Orsillo: We have limited our rev
May 7, 2007	EX-11	Statement re computation of per Share Earnings. Exhibit 11. Statement re computation of per Share Earnings Three Months Ended March 31, 2007 Basic Earnings Per Share: Net Income $846,138.14 = $0.57 Weighted Average Number of Common Shares 1,491,407 Diluted Earnings Per Share: Net Income $846,138.14 = $846,138.14 = $0.57 Weighted Average Number of Common Shares Adjusted for Effect of Outstanding Options 1,491,407 + 7,410 1,498,817
May 7, 2007	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
April 26, 2007	8-K	Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 26, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file numbe
April 25, 2007	8-K	Results of Operations and Financial Condition, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 31, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file numbe
April 25, 2007	EX-99.1	NORTHWAY FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, April 25, 2007…Northway Financial, Inc. (the “Company”) (NASDAQ: NWFI) reported net income for the quarter
April 16, 2007	8-K	Current Report UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 13, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file numbe
April 16, 2007	SC 13E3/A	SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) Filing Statement) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 667270102 (CUSIP Number of Class of Securities) Richard P. O
April 16, 2007	SC 13E3	SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 RULE 13e-3 TRANSACTION STATEMENT UNDER SECTION 13(e) OF THE SECURITIES EXCHANGE ACT OF 1934 Northway Financial, Inc. (Name of Issuer) Northway Financial, Inc. (Name of Person(s) Filing Statement) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 667270102 (CUSIP Number of Class of Securities) Richard P. O
April 16, 2007	PRE 14A	NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Telephone 603-752-1171 NOTICE OF ANNUAL MEETING OF STOCKHOLDERS TO BE HELD ON TUESDAY, JULY 31, 2007 June 21, 2007 Dear Stockholder: You are cordially invited to attend the Annual Meeting of Stockholders of Northway Financial, Inc.
March 29, 2007	10-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K T Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 29, 2007	EX-14	Code of Ethics(1) Exhibit 14 ORGANIZATIONAL FUNCTIONAL AREA: Executive POLICY FOR: Ethics and Conflict of Interest NORTHWAY FINANCIAL INC.
March 29, 2007	EX-21	List of Subsidiaries(1) Exhibit 21 List of Subsidiaries Northway Financial, Inc. 2006 Annual report on Form 10-K Subsidiaries of the Registrant Name of Significant Subsidiary % Owned Jurisdiction of Incorporation Northway Bank 100 New Hampshire Northway Capital Trust I 100 Delaware Northway Capital Trust II 100 Delaware
March 29, 2007	EX-11	Statement re: Computation of Per Share Earnings(1) Exhibit 11 Statement Re Computation of per share earnings Twelve Months Ended December 31, 2006 Basic Earnings Per Share: Net Income $3,214,738.
March 27, 2007	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 22, 2007 NORTHWAY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 22, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file numbe
March 27, 2007	EX-99.6	FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURE Exhibit 99.6 FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURE THIS SECURITY IS NOT A SAVINGS ACCOUNT OR DEPOSIT AND IT IS NOT INSURED BY THE UNITED STATES OR ANY AGENCY OR FUND OF THE UNITED STATES, INCLUDING THE FEDERAL DEPOSIT INSURANCE CORPORATION. THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), ANY STATE SECURITIES LAWS
March 27, 2007	EX-99.1	NORTHWAY FINANCIAL, INC., as Issuer Dated as of March 22, 2007 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES DUE 2037 TABLE OF CONTENTS Exhibit 99.1 NORTHWAY FINANCIAL, INC., as Issuer INDENTURE Dated as of March 22, 2007 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES DUE 2037 TABLE OF CONTENTS Page ARTICLE I. DEFINITIONS 1 Section 1.1. Definitions. 1 ARTICLE II. DEBENTURES 8 Section 2.1. Authentication and Dating. 8 Section 2.2. Form of Trustee’s Certificate of Authentication
March 27, 2007	EX-99.5	March 22, 2007 Certificate Evidencing Floating Rate Capital Securities Northway Capital Trust III (liquidation amount $1,000 per Capital Security) Exhibit 99.5 Certificate Number P-110,000 Capital Securities cusip no. 6672709A2 This security has not been registered under the securities act of 1933, as amended (the “securities act”), any state securities laws or any other applicable securities law. Neither this security nor any interest or participation herein may be reoffered, sold, assigned, transferred, pledged, encumbered or otherwise dis
March 27, 2007	EX-99.2	AMENDED AND RESTATED DECLARATION OF TRUST by and among WILMINGTON TRUST COMPANY, as Delaware Trustee, WILMINGTON TRUST COMPANY, as Institutional Trustee, NORTHWAY FINANCIAL, INC., as Sponsor, WILLIAM J. WOODWARD and RICHARD P. ORSILLO, as Administrat Exhibit 99.2 AMENDED AND RESTATED DECLARATION OF TRUST by and among WILMINGTON TRUST COMPANY, as Delaware Trustee, WILMINGTON TRUST COMPANY, as Institutional Trustee, NORTHWAY FINANCIAL, INC., as Sponsor, and WILLIAM J. WOODWARD and RICHARD P. ORSILLO, as Administrators, Dated as of March 22, 2007 TABLE OF CONTENTS Page ARTICLE I INTERPRETATION AND DEFINITIONS 1 Section 1.1. Definitions. 1 ARTICLE
March 27, 2007	EX-99.3	_________________________________________________ GUARANTEE AGREEMENT by and between NORTHWAY FINANCIAL, INC. WILMINGTON TRUST COMPANY Dated as of March 22, 2007 GUARANTEE AGREEMENT Exhibit 99.3 GUARANTEE AGREEMENT by and between NORTHWAY FINANCIAL, INC. and WILMINGTON TRUST COMPANY Dated as of March 22, 2007 GUARANTEE AGREEMENT This GUARANTEE AGREEMENT (this “Guarantee”), dated as of March 22, 2007, is executed and delivered by Northway Financial, Inc., a New Hampshire corporation (the “Guarantor”), and Wilmington Trust Company, a Delaware banking corporation, as trustee (th
March 27, 2007	EX-99.4	March 22, 2007 Certificate Evidencing Floating Rate Common Securities Northway Capital Trust III Exhibit 99.4 Certificate Number C-1310 Common Securities THIS COMMON SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, AND MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT PURSUANT TO AN EXEMPTION FROM REGISTRATION. THIS CERTIFICATE IS NOT TRANSFERABLE EXCEPT IN COMPLIANCE WITH SECTION 8.1 OF THE DECLARATION. March 22, 2007 Certificate Evidencing Float
March 2, 2007	EX-24	LIMITED POWER OF ATTORNEY JEFFREY D. SMITH SECTION 16(A) FILINGS EXHIBIT 24 LIMITED POWER OF ATTORNEY FOR JEFFREY D. SMITH SECTION 16(A) FILINGS Know all by these presents, that the undersigned hereby constitutes and appoints each of Susan L. Goupil and Deborah A. Hodgdon, signing singly, the undersigned's true and lawful attorney-in-fact to: (1) execute for and on behalf of the undersigned, in the undersigned’s individual capacity, Forms 3, 4, and 5 and amendm
February 1, 2007	EX-99.1	NORTHWAY FINANCIAL, INC. ANNOUNCES FOURTH QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FOURTH QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, January 31, 2007…Northway Financial, Inc. (the “Company”) (NASDAQ: NWFI) reported net income for the quar
February 1, 2007	8-K	Results of Operations and Financial Condition, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2007 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file num
December 29, 2006	8-K	Other Events, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 27, 2006 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file nu
November 13, 2006	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
November 13, 2006	EX-19	Company’s quantitative and qualitative disclosure about market risk as discussed in the Company’s Annual Report of Form 10-K for the fiscal year ended December 31, 2005. Northway Financial, Inc. Form 10-Q September 30, 2006 Exhibit 19 Company’s quantitative and qualitative disclosure about market risk as discussed in the Company’s Annual Report of Form 10-K for the fiscal year ended December 31, 2005 MARKET RISK Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates and prices, such as interest rates, foreign currenc
November 13, 2006	EX-11	Statement re computation of per Share Earnings. Northway Financial, Inc. Form 10-Q September 30, 2006 Exhibit 11 Statement re computation of per Share Earnings Three Months Ended September 30, 2006 Basic Earnings Per Share: Net Income $853,928.04 = $ 0.57 Weighted Average Number of Common Shares 1,493,174 Diluted Earnings Per Share: Net Income $853,928.04 = $853,928.04 = $ 0.57 Weighted Average Number of Common Shares Adjusted for Effect of Out
November 3, 2006	EX-99.1	NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES THIRD QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, November 1, 2006…Northway Financial, Inc. (the “Company”) (NASDAQ: NWFI) reported net income for the quart
November 3, 2006	8-K	Results of Operations and Financial Condition, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 1, 2006 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file num
August 9, 2006	EX-11	Statement re computation of per Share Earnings. Exhibit 11 Statement re computation of per Share Earnings Three Months Ended June 30, 2006 Basic Earnings Per Share: Net Income $ 755,789.
August 9, 2006	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 9, 2006	EX-19	Company’s quantitative and qualitative disclosure about market risk as discussed in the Company’s Annual Report of Form 10-K for the fiscal year ended December 31, 2005. Exhibit 19 Company’s quantitative and qualitative disclosure about market risk as discussed in the Company’s Annual Report of Form 10-K for the fiscal year ended December 31, 2005 MARKET RISK Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates and prices, such as interest rates, foreign currency exchange rates, commodity prices and equity prices.
July 28, 2006	8-K	Results of Operations and Financial Condition, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 26, 2006 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file number
July 28, 2006	EX-99.1	NORTHWAY FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, July 26, 2006…Northway Financial, Inc. (the “Company”) (NASDAQ: NWFI) reported net income for the quarter
May 12, 2006	EX-11	= EX-11 2 ex11pershareearnings.htm NORTHWAY FINANCIAL INC EX 11 PER SHARE EARNINGS Exhibit 11 Statement re computation of per Share Earnings Three Months Ended March 31, 2006 Basic Earnings Per Share: Net Income $1,079,901.31 = $0.72 Weighted Average Number of Common Shares 1,491,174 Diluted Earnings Per Share: Net Income $1,079,901.31 = $1,079,901.31 = $0.72 Weighted Average Number of Common Shares
May 12, 2006	EX-19	Company’s quantitative and qualitative disclosure about market risk Exhibit 19 Company’s quantitative and qualitative disclosure about market risk as discussed in the Company’s Annual Report of Form 10-K for the fiscal year ended December 31, 2005 MARKET RISK Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates and prices, such as interest rates, foreign currency exchange rates, commodity prices and equity prices.
May 12, 2006	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
April 28, 2006	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 26, 2006 NORTHWAY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 26, 2006 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) New Hampshire 000-23129 04-3368579 (State or other jurisdiction of Commission file numbe
April 28, 2006	EX-99.1	NORTHWAY FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, April 25, 2006…Northway Financial, Inc. (the “Company”) (NASDAQ: NWFI) reported net income for the quarter
April 25, 2006	10-K/A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K Amendment No.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K Amendment No.
April 12, 2006	DEFR14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ____) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by registrant x Filed by a Party other that the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14A-6(e)(2)) x Definitiv
March 29, 2006	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ____) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by registrant x Filed by a Party other that the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14A-6(e)(2)) x Definitiv
March 29, 2006	EX-10.7	FORM OF KEY EMPLOYEE AGREEMENT EX-10.7 5 ex107.htm EXHIBIT 10.7 Exhibit 10.7 FORM OF KEY EMPLOYEE AGREEMENT THIS AGREEMENT is made as of the day of , by and among The Berlin City Bank, a New Hampshire bank with its main office in Berlin, New Hampshire (the "Subsidiary"), Northway Financial, Inc. a New Hampshire corporation ("Northway") (Northway and the Subsidiary shall be hereinafter collectively referred to as the "Company"),
March 29, 2006	EX-10.3	AMENDMENT TO EMPLOYMENT AGREEMENT EX-10.3 4 ex103.htm EXHIBIT 10.3 Exhibit 10.3 AMENDMENT TO EMPLOYMENT AGREEMENT This Amendment to Employment Agreement (“Amendment”) is entered into by and among Northway Financial, Inc., a New Hampshire chartered corporation (“Northway”), The Berlin City Bank, a New Hampshire chartered bank and wholly owned subsidiary of Northway with its principal office located in New Hampshire (Northway and Th
March 29, 2006	EX-21	Northway Financial, Inc 2005 Annual report on Form 10-K Subsidiaries of the Registrant Exhibit 21 List of Subsidiaries Northway Financial, Inc 2005 Annual report on Form 10-K Subsidiaries of the Registrant Name of Significant Subsidiary % Owned Jurisdiction of Incorporation Northway Bank 100 New Hampshire Northway Capital Trust I 100 Delaware Northway Capital Trust II 100 Delaware
March 29, 2006	EX-3.2	NORTHWAY FINANCIAL, INC. ARTICLE I EX-3.2 2 ex32.htm EXHIBIT 3.2 Exhibit 3.2 BY-LAWS OF NORTHWAY FINANCIAL, INC. ARTICLE I Shareholders SECTION 1. Annual Meeting. The annual meeting of shareholders shall be held at the hour, date and place within or without the United States which is fixed by the majority of the Board of Directors, the Chairman of the Board, if one is elected, or the President, which time, date and place may subseq
March 29, 2006	EX-14	ETHICS AND CONFLICT OF INTEREST POLICY NORTHWAY FINANCIAL, INC. AND SUBSIDIARIES Exhibit 14 ETHICS AND CONFLICT OF INTEREST POLICY NORTHWAY FINANCIAL, INC. AND SUBSIDIARIES TABLE OF CONTENTS I. INTRODUCTION 2 II. CONFLICTS OF INTEREST 2 III. CERTAIN CONFLICT OF INTEREST SITUATIONS 4 IV. CONFIDENTIALITY 5 V. COMPLIANCE WITH LAWS, RULES AND REGULATIONS 6 VI. ACCURACY OF RECORDS; QUALITY OF PUBLIC DISCLOSURES 6 VII. ELECTRONIC COMMUNICATIONS, VOICE MAIL AND COMPUTER SYSTEMS 6 VII
March 29, 2006	EX-11	Statement Re Computation of per share earnings EX-11 6 ex11.htm EXHIBIT 11 Exhibit 11 Statement Re Computation of per share earnings Twelve Months Ended December 31, 2005 Basic Earnings Per Share: Net Income $2,672,796 = $1.78 Weighted Average Number of Common Shares 1,502,121 Diluted Earnings Per Share: Net Income $2,672,796 = $2,672,796 = $1.77 Weighted Average Number of Common Shares 1,502,121+9,231 1,511,352 Adjusted for Effect of Outstand
March 29, 2006	EX-10.1	EMPLOYMENT AGREEMENT EX-10.1 3 ex101.htm EXHIBIT 10.1 Exhibit 10.1 EMPLOYMENT AGREEMENT This AGREEMENT (the "Agreement") is made as of September 30, 1997 (the "Effective Date"), by and between Northway Financial, Inc., a New Hampshire chartered corporation ("Northway"), The Berlin City Bank, a New Hampshire chartered bank and wholly owned subsidiary of Northway with its principal offices located in Berlin, New Hampshi
March 29, 2006	10-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K x Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 28, 2006	SC 13G	2 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Northway Financial, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 667270102 (CUSIP Number) October 17, 2000 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this
February 3, 2006	8-K	NORTHWAY FINANCIAL, INC. UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 1, 2006 NORTHWAY FINANCIAL, INC. (Exact name of registrant as specified in its charter) - New Hampshire 000-23129 04-3368579 - - - (State or other jurisdiction of Commission
February 3, 2006	EX-99.1	EX-99.1 EXHIBIT 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FOURTH QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, January 31, 2006...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the qu
November 7, 2005	EX-99.19	EX-99.19 Exhibit 19. Company's quantitative and qualitative disclosure about market risk as discussed in the Company's Annual Report of Form 10-K for the fiscal year ended December 31, 2004. MARKET RISK Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates and prices, such as interest rates, foreign currency exchange rates, commodity prices and equity prices
November 7, 2005	EX-99.32-2	EX-99.32-2 Exhibit 32.2. Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the quarterly report of Northway Financial, Inc. (the "Company") on Form 10-Q for the quarterly period ended September 30, 2005 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Ri
November 7, 2005	EX-99.31-2	EX-99.31-2 Exhibit 31.2. Certification of Chief Financial Officer Pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934 I, Richard P. Orsillo, certify that: 1. I have reviewed this quarterly report on Form 10-Q of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statem
November 7, 2005	10-Q	NORTHWAY FINANCIAL FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
November 7, 2005	EX-99.31-1	EX-99.31-1 Exhibit 31.1. Certification of Chief Executive Officer Pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934 I, William J. Woodward, certify that: 1. I have reviewed this quarterly report on Form 10-Q of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the state
November 7, 2005	EX-99.32-1	EX-99.32-1 Exhibit 32.1. Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the quarterly report of Northway Financial, Inc. (the "Company") on Form 10-Q for the quarterly period ended September 30, 2005 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Wi
November 7, 2005	EX-99.11	EX-99.11 Exhibit 11. Statement re computation of per Share Earnings THREE MONTHS ENDED SEPTEMBER 30, 2005 BASIC EARNINGS PER SHARE: Net Income $877,101 = $0.58 - - - Weighted Average Number of Common Shares 1,503,904 Diluted Earnings Per Share: Net Income $877,101 = $877,101 = $0.58 - - - - Weighted Average Number of Common Shares 1,503,904 + 8,597 1,512,501 Adjusted for Effect of Outstanding Options Nine
October 28, 2005	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition =============================================================================== UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.
October 28, 2005	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES THIRD QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, October 25, 2005...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the qua
August 9, 2005	EX-19	EX-19 Exhibit 19. Company's quantitative and qualitative disclosure about market risk as discussed in the Company's Annual Report of Form 10-K for the fiscal year ended December 31, 2004. MARKET RISK Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates and prices, such as interest rates, foreign currency exchange rates, commodity prices and equity prices
August 9, 2005	EX-2.1	EX-2.1 Exhibit 2.1 Amended and Restated Bank Merger Agreement and Contract for Union AMENDED AND RESTATED BANK MERGER AGREEMENT AND CONTRACT FOR UNION AMENDED AND RESTATED BANK MERGER AGREEMENT AND CONTRACT FOR UNION, dated July 7, 2005 (the "Agreement"), pursuant to the Revised Statutes Annotated of the State of New Hampshire (the "NHRSA") and Section 215a of the National Bank Act (the "NBA"), by and be
August 9, 2005	10-Q	NORTHWAY FINANCIAL FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 9, 2005	EX-11	EX-11 Exhibit 11. Statement re computation of per Share Earnings THREE MONTHS ENDED JUNE 30, 2005 BASIC EARNINGS PER SHARE: Net Income $903,387 = $0.60 - - - Weighted Average Number of Common Shares 1,507,069 DILUTED EARNINGS PER SHARE: Net Income $903,387 = $903,387 = $0.60 - - - - Weighted Average Number of Common Shares 1,507,069 + 8,169 1,515,238 Adjusted for Effect of Outstanding Options SIX MONTHS
July 28, 2005	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, July 26, 2005...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the quart
July 28, 2005	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition =============================================================================== UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.
May 31, 2005	8-K	Other Events =============================================================================== UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.
May 11, 2005	EX-11	EX-11 Net Income $823,214 = $0.55 - - - Weighted Average Number of Common Shares 1,504,018 Diluted Earnings Per Share: Net Income $823,214 = $823,214 = $0.54 - - - - Weighted Average Number of Common Shares 1,504,018+10,892 1,514,910 Adjusted for Effect of Outstanding Options Exhibit 11. Statement re Computation of per share earnings Three Months Ended March 31, 2005 Basic Earnings Per Share:
May 11, 2005	EX-19	EX-19 Exhibit 19. Company's quantitative and qualitative disclosure about market risk as discussed in the Company's Annual Report of Form 10-K for the fiscal year ended December 31, 2004. MARKET RISK Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates and prices, such as interest rates, foreign currency exchange rates, commodity prices and equity prices
May 11, 2005	10-Q	NORTHWAY FINANCIAL FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
April 29, 2005	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, April 26, 2005...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the quart
April 29, 2005	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition =============================================================================== UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.
March 30, 2005	10-K	NORTHWAY FINANCIAL FORM 10-K =============================================================================== UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 30, 2005	EX-99.21	EX-99.21 Exhibit 21 List of Subsidiaries Northway Financial, Inc. 2004 Annual report on Form 10-K Subsidiaries of the Registrant Jurisdiction of Name of Significant Subsidiary % Owned Incorporation - - - - The Berlin City Bank 100 New Hampshire The Pemigewasset National Bank of Plymouth, New Hampshire 100 United States Northway Capital Trust I 100 Delaware Northway Capital Trust II 100 Delaware
March 30, 2005	EX-99.32.1	EX-99.32.1 Exhibit 32.1 CERTIFICATION PURSUANT TO 18 U.S.C. Section 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report on Form 10-K of Northway Financial, Inc. (the "Company") for the year ended December 31, 2004 , as filed with the Securities and Exchange Commission on the date hereof (the "Report"), the undersigned President and Chief Executive O
March 30, 2005	EX-99.23	EX-99.23 Exhibit 23 Consent CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in this Annual Report on Form 10-K of Northway Financial, Inc.
March 30, 2005	EX-99.14	EX-99.14 Exhibit 14 Code of Ethics ETHICS AND CONFLICT OF INTEREST POLICY NORTHWAY FINANCIAL, INC.
March 30, 2005	EX-99.11	EX-99.11 Exhibit 11 Statement Re Computation of per share earnings TWELVE MONTHS ENDED DECEMBER 31, 2004 BASIC EARNINGS PER SHARE: Net Income $3,387,765 = $2.
March 30, 2005	DEF 14A	NORTHWAY FINANCIAL, INC. SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(A) OF THE SECURITIES EXCHANGE ACT OF 1934 FILED BY THE REGISTRANT [X] FILED BY A PARTY OTHER THAN THE REGISTRANT [ ] - - CHECK THE APPROPRIATE BOX: [ ] Preliminary Proxy Statement [ ] Confidential for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) [X] Definitive Proxy Statement [ ] Definitive Additional Materials [ ] Soliciting Material Pursuant to sec.
March 30, 2005	EX-99.31.2	EX-99.31.2 Exhibit 31.2 CERTIFICATION I, Richard P. Orsillo, certify that: 1. I have reviewed this annual report on Form 10-K of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with
March 30, 2005	EX-99.31.1	EX-99.31.1 Exhibit 31.1 CERTIFICATION I, William J. Woodward, certify that: 1. I have reviewed this annual report on Form 10-K of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with
March 30, 2005	EX-99.32.2	EX-99.32.2 Exhibit 32.2 CERTIFICATION PURSUANT TO 18 U.S.C. Section 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report on Form 10-K of Northway Financial, Inc. (the "Company") for the year ended December 31, 2004 , as filed with the Securities and Exchange Commission on the date hereof (the "Report"), the undersigned Chief Financial Officer and Tre
January 28, 2005	EX-99.1	EX-99.1 EXHIBIT 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FOURTH QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, January 25, 2005...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the qu
January 28, 2005	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition =============================================================================== UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.
November 10, 2004	10-Q	NORTHWAY FINANCIAL FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
November 10, 2004	EX-11	EX-11 Net Income $976,439 = $0.65 - - - Weighted Average Number of Common Shares 1,499,574 DILUTED EARNINGS PER SHARE: Net Income $976,439 = $976,439 = $0.64 - - - - Weighted Average Number of Common Shares 1,499,574+9,845 1,509,419 Adjusted for Effect of Outstanding Options NINE MONTHS ENDED SEPTEMBER 30, 2004 BASIC EARNINGS PER SHARE: Net Income $2,453,827 = $1.64 - - - Weighted Average Number of Comm
October 29, 2004	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES THIRD QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, October 26, 2004...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the qua
October 29, 2004	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition =============================================================================== UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.
August 31, 2004	8-K	Costs Associated with Exit or Disposal Activities SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 11, 2004	EX-11	EX-11 Exhibit 11. Statement re Computation of per share earnings THREE MONTHS ENDED JUNE 30, 2004 BASIC EARNINGS PER SHARE: Net Income $748,097 = $0.50 - - - Weighted Average Number of 1,499,574 Common Shares DILUTED EARNINGS PER SHARE: Net Income $748,097 = $748,097 = $0.49 - - - - Weighted Average Number of Common Shares Adjusted for Effect 1,499,574+12,645 1,512,219 of Outstanding Options SIX MONTHS
August 11, 2004	10-Q	NORTHWAY FINANCIAL FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
July 29, 2004	8-K	Current Report SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
July 29, 2004	EX-99.1	EX-99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, July 27, 2004...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) ) reported net income for the quarter ended Ju
May 7, 2004	10-Q	NORTHWAY FINANCIAL FORM 10Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
May 7, 2004	EX-11	EX-11 Exhibit 11. Statement re Computation of per share earnings THREE MONTHS ENDED MARCH 31, 2004 BASIC EARNINGS PER SHARE: Net Income $729,291 = $0.49 - - - Weighted Average Number of Common Shares 1,499,574 DILUTED EARNINGS PER SHARE: Net Income $729,291 = $729,291 = $0.49 - - - - Weighted Average Number of Common Shares 1,499,574+3,202 1,502,776 Adjusted for Effect of Outstanding Options
April 30, 2004	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, April 27, 2004...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the quart
April 30, 2004	8-K	Current Report =============================================================================== SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 30, 2004	EX-99.32.1	EX-99.32.1 Exhibit 32.1 CERTIFICATION PURSUANT TO 18 U.S.C. Section 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report on Form 10-K of Northway Financial, Inc. (the "Company") for the year ended December 31, 2003 , as filed with the Securities and Exchange Commission on the date hereof (the "Report"), the undersigned President and Chief Executive O
March 30, 2004	EX-99.11	EX-99.11 Net Income $3,616,832 = $2.40 - - - Weighted Average Number of Common Shares 1,504,401 DILUTED EARNINGS PER SHARE: Net Income $3,616,832 = $3,616,832 = $2.39 - - - - Weighted Average Number of Common Shares 1,504,401+7,846 1,512,247 Adjusted for Effect of Outstanding Options THREE MONTHS ENDED DECEMBER 31, 2003 BASIC EARNINGS PER SHARE: Net Income $1,003,839 = $0.66 - - - Weighted Average Number o
March 30, 2004	EX-99.31.1	EX-99.31.1 Exhibit 31.1 CERTIFICATION I, William J. Woodward, certify that: 1. I have reviewed this annual report on Form 10-K of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with
March 30, 2004	EX-99.32.2	EX-99.32.2 Exhibit 32.2 CERTIFICATION PURSUANT TO 18 U.S.C. Section 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report on Form 10-K of Northway Financial, Inc. (the "Company") for the year ended December 31, 2003 , as filed with the Securities and Exchange Commission on the date hereof (the "Report"), the undersigned Chief Financial Officer and Tre
March 30, 2004	EX-99.23	EX-99.23 Exhibit 23 Consent CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS We consent to the incorporation by reference in this Annual Report on Form 10-K of Northway Financial, Inc.
March 30, 2004	EX-99.14	EX-99.14 Exhibit 14 Code of Ethics ETHICS AND CONFLICT OF INTEREST POLICY NORTHWAY FINANCIAL, INC.
March 30, 2004	EX-99.21	EX-99.21 Exhibit 21 List of Subsidiaries Northway Financial, Inc. 2003 Annual report on Form 10-K Subsidiaries of the Registrant Jurisdiction of Name of Significant Subsidiary % Owned Incorporation - - - - Berlin City Bank 100 New Hampshire Pemigewasset National Bank 100 United States Northway Capital Trust I 100 Delaware Northway Capital Trust II 100 Delaware
March 30, 2004	10-K	NORTHWAY FINANCIAL FORM 10-K =============================================================================== SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 30, 2004	DEF 14A	NORTHWAY FINANCIAL, INC. [logo] NORTHWAY NORTHWAY FINANCIAL, INC. - - FINANCIAL April 12, 2004 Dear Stockholder: You are cordially invited to attend the Annual Meeting of Stockholders of Northway Financial, Inc., to be held on Tuesday, May 25, 2004 at 2:00 p.m. at The Town and Country Motor Inn, Route 2, Shelburne, New Hampshire 03581. At the annual meeting you will be asked to consider and act upon the following: (1) to
March 30, 2004	EX-99.10.8	EX-99.10.8 Exhibit 10.8 Supplemental Executive Retirement Plan THIS AGREEMENT is made and entered into this 29th day of May, 2003, by and between Northway Financial, Inc., a corporation organized and existing under the laws of the State of New Hampshire (hereinafter referred to as the "Corporation"), and William J. Woodward, an Executive of the Corporation (hereinafter referred to as the "Executive"). WHEREA
March 30, 2004	EX-99.31.2	EX-99.31.2 Exhibit 31.2 CERTIFICATION I, Richard P. Orsillo, certify that: 1. I have reviewed this annual report on Form 10-K of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with
March 24, 2004	8-K/A	Current Report SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 24, 2004	EX-99.1	EX-99.1 Exhibit 99.1 Northway Financial, Inc. Revised Selected Consolidated Financial Data (Unaudited) (In thousands, except for ratios and per share amounts) Period end balance sheet data: December 31, 2003 2002 Total assets $ 609,216 $ 598,945 Loans, net (1) 463,460 437,901 Investments (2) 95,256 106,279 Deposits 463,307 476,194 Borrowings 95,021 74,871 Stockholders' equity 47,872 44,266 Book value per
February 2, 2004	8-K	Current Report SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
February 2, 2004	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FOURTH QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, January 27, 2004...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the qu
November 10, 2003	EX-11	EX-11 Net Income $2,612,993 = $1.74 - - - Weighted Average Number of Common Shares 1,506,028 Diluted Earnings Per Share: Net Income $2,612,993 = $2,612,993 = $1.73 - - - - Weighted Average Number of Common Shares 1,506,028+4,954 1,510,982 Adjusted for Effect of Outstanding Options Three Months Ended September 30, 2003 Basic Earnings Per Share: Net Income $978,357 = $0.65 - - - Weighted Average Number of
November 10, 2003	10-Q	NORTHWAY FINANCIAL FORM 10Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
October 30, 2003	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES THIRD QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, October 28, 2003...Northway Financial, Inc. (the "Company") (NASDAQ: NWFI) reported net income for the qua
October 30, 2003	8-K	Current Report SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 8, 2003	EX-99.1	EX-99.1 Exhibit 99.1. Certification of CEO Pursuant to Section 302 of the Sarbanes-Oxley Act - - I, William J. Woodward, certify that: 1. I have reviewed this quarterly report on Form 10-Q of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circums
August 8, 2003	EX-99.2	EX-99.2 Exhibit 99.2. Certification of CFO Pursuant to Section 302 of the Sarbanes-Oxley Act - - I, Richard P. Orsillo, certify that: 1. I have reviewed this quarterly report on Form 10-Q of Northway Financial, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumst
August 8, 2003	EX-11	EX-11 Exhibit 11. Computation of per share earnings SIX MONTHS ENDED JUNE 30, 2003 BASIC EARNINGS PER SHARE: Net Income $1,634,631.88 = $1.09 - - - Weighted Average Number of Common 1,507,789 Shares DILUTED EARNINGS PER SHARE: Net Income $1,634,631.88 = $1,634,631.88 = $1.08 - - - - Weighted Average Number of Common 1,507,789+3,205 1,510,994 Shares Adjusted for Effect of Outstanding Options THREE MONTHS
August 8, 2003	EX-99.3	EX-99.3 Exhibit 99.3. Certification of CEO Pursuant to Section 906 of the Sarbanes-Oxley Act - - The undersigned officer of Northway Financial, Inc. (the "Company") hereby certifies that the Company's quarterly report on Form 10-Q for the quarterly period ended June 30, 2003 (the "Report"), as filed with the Securities and Exchange Commission on the date hereof, fully complies with the requirements of Sec
August 8, 2003	EX-99.4	EX-99.4 Exhibit 99.4. Certification of CFO Pursuant to Section 906 of the Sarbanes-Oxley Act - - The undersigned officer of Northway Financial, Inc. (the "Company") hereby certifies that the Company's quarterly report on Form 10-Q for the quarterly period ended June 30, 2003 (the "Report"), as filed with the Securities and Exchange Commission on the date hereof, fully complies with the requirements of Sec
August 8, 2003	10-Q	NORTHWAY FINANCIAL FORM 10Q SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
July 31, 2003	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, July 29, 2003...Northway Financial, Inc.(the "Company") (NASDAQ: NWFI) reported net income for the quarte
July 31, 2003	8-K	Current Report SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
May 14, 2003	EX-11	EX-11 Exhibit 11. Computation of per share earnings BASIC EARNINGS PER SHARE: Net Income 810,616.92 = $0.54 - - - Weighted Average Number of Common Shares 1,509,907 DILUTED EARNINGS PER SHARE: Net Income 810,616.92 = 810,616.92 = $0.54 - - - - Weighted Average Number of Common Shares 1,509,907+1,569 1,511,476 Adjusted for Effect of Outstanding Options
May 14, 2003	10-Q	NORTHWAY FINANCIAL FORM 10Q SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
May 14, 2003	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. 9 Main Street Berlin, New Hampshire 03570 Contact: Richard P. Orsillo Senior Vice President and Chief Financial Officer 603-752-1171 FOR IMMEDIATE RELEASE NORTHWAY FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND Berlin, NH, May 9, 2003...Northway Financial, Inc.(the "Company")(NASDAQ: NWFI) reported net income for the quarter en
May 14, 2003	8-K	Current Report SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
April 8, 2003	SC 13D/A	NORTHWAY FINANCIAL, INC./SC 13D/A SECURITIES & EXCHANGE COMMISSION Washington, D.C. 20549 - SCHEDULE 13D* (Rule 13d-101) Amendment No. 2 INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2(a) Northway Financial, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 667270102 (CUSIP Number) Jeffrey L. Gendell 55 Railroad Avenue, 3rd Floor, Greenwich, Connect
April 4, 2003	DEF 14A	NORTHWAY FINANCIAL, INC. SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(A) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant [X] Filed by a party other than the Registrant Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) [X] Definitive Proxy Statement [ ] Definitive Additional Materials [ ] Soliciting Material Pursuant to Rule 14a-11(c) or Rule 14a-12 Northway Financial, Inc.
March 31, 2003	10-K	NORTHWAY FINANCIAL FORM 10-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
December 2, 2002	SC 13D/A	NORTHWAY FINANCIAL, INC. SC 13D/A SECURITIES & EXCHANGE COMMISSION Washington, D.C. 20549 - SCHEDULE 13D* (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2(a) Northway Financial, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 667270102 (CUSIP Number) Jeffrey L. Gendell 237 Park Avenue, 9TH Floor, New York, New York 10017 (212) 692-36
November 15, 2002	SC 13D	NORTHWAY FINANCIAL, INC. SC 13D SECURITIES & EXCHANGE COMMISSION Washington, D.C. 20549 - SCHEDULE 13D* (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2(a) Northway Financial, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 667270102 (CUSIP Number) Jeffrey L. Gendell 237 Park Avenue, 9TH Floor, New York, New York 10017 (212) 692-36
November 14, 2002	10-Q	NORTHWAY FIN. FORM 10-Q -- 9-30-02 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 12, 2002	10-Q	NORTHWAY FIN. FORM 10-Q -- 6.30.02 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
July 25, 2002	EX-99.1	EX-99.1 Exhibit 99.1 NORTHWAY FINANCIAL, INC. as Issuer INDENTURE Dated as of July 11, 2002 WILMINGTON TRUST COMPANY as Trustee FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITIES DUE 2032 TABLE OF CONTENTS Page Parties ................................................................. 1 Recitals ................................................................ 1 Authorization of Indenture ...................
July 25, 2002	EX-99.2	EX-99.2 Exhibit 99.2 AMENDED AND RESTATED DECLARATION OF TRUST NORTHWAY CAPITAL TRUST II Dated as of July 11, 2002 TABLE OF CONTENTS Page ARTICLE I INTERPRETATION AND DEFINITIONS SECTION 1.1.Definitions..................................................... 2 ARTICLE II - ORGANIZATION SECTION 2.1.Name............................................................ 9 SECTION 2.2.Office...........................
July 25, 2002	8-K	Current Report SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
July 25, 2002	EX-99.4	EX-99.4 Exhibit 99.4 COMMON SECURITY CERTIFICATE THIS COMMON SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS AND MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT PURSUANT TO AN EXEMPTION FROM REGISTRATION. EXCEPT AS SET FORTH IN SECTION 8.1(b) OF THE DECLARATION (AS DEFINED BELOW), THIS SEC
July 25, 2002	EX-99.5	EX-99.5 Exhibit 99.5 CAPITAL SECURITY CERTIFICATE THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS. NEITHER THIS SECURITY NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REG
July 25, 2002	EX-99.3	EX-99.3 Exhibit 99.3 GUARANTEE AGREEMENT NORTHWAY FINANCIAL, INC. Dated as of July 11, 2002 TABLE OF CONTENTS PAGE ARTICLE I DEFINITIONS AND INTERPRETATION SECTION 1.1. Definitions and Interpretation ............................. 2 ARTICLE II POWERS, DUTIES AND RIGHTS OF THE GUARANTEE TRUSTEE SECTION 2.1 Powers and Duties of the Guarantee Trustee .................. 4 SECTION 2.2 Certain Rights of the Guar
July 25, 2002	EX-99.6	EX-99.6 EX-99.6 8 ex996.txt FLOATING RATE JR. SUBORDINATED SECURITY Exhibit 99.6 FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITY DUE 2032 THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS. NEITHER THIS SECURITY NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGN
May 14, 2002	10-Q	NORTHWAY FIN. FORM 10-Q -- 3-31-02 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
April 25, 2002	EX-99.3	EX-99.3 EXHIBIT 99.3 GUARANTEE AGREEMENT NORTHWAY FINANCIAL, INC. Dated as of April 10, 2002 TABLE OF CONTENTS PAGE ARTICLE I DEFINITIONS AND INTERPRETATION SECTION 1.1 Definitions and Interpretation ............................... 1 ARTICLE II POWERS, DUTIES AND RIGHTS OF THE GUARANTEE TRUSTEE SECTION 2.1 Powers and Duties of the Guarantee Trustee ................... 4 SECTION 2.2 Certain Rights of the G
April 25, 2002	EX-99.1	EX-99.1 EXHIBIT 99.1 NORTHWAY FINANCIAL, INC. as Issuer INDENTURE Dated as of April 10, 2002 WILMINGTON TRUST COMPANY as Trustee FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITIES DUE 2032 TABLE OF CONTENTS - Page - Parties .................................................................. 1 Recitals ................................................................. 1 Authorization of Indenture ............
April 25, 2002	EX-99.4	EX-99.4 EXHIBIT 99.4 COMMON SECURITY CERTIFICATE THIS COMMON SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS AND MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT PURSUANT TO AN EXEMPTION FROM REGISTRATION. EXCEPT AS SET FORTH IN SECTION 8.1(b) OF THE DECLARATION (AS DEFINED BELOW), THIS SEC
April 25, 2002	8-K	NORTHWAY FINANCIAL INC. SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
April 25, 2002	EX-99.5	EX-99.5 EXHIBIT 99.5 CAPITAL SECURITY CERTIFICATE THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS. NEITHER THIS SECURITY NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REG
April 25, 2002	EX-99.2	EX-99.2 EXHIBIT 99.2 AMENDED AND RESTATED DECLARATION OF TRUST NORTHWAY CAPITAL TRUST I Dated as of April 10, 2002 TABLE OF CONTENTS Page ARTICLE I INTERPRETATION AND DEFINITIONS SECTION 1.1.Definitions .................................................. 1 ARTICLE II - ORGANIZATION SECTION 2.1. Name ........................................................ 9 SECTION 2.2. Office .............................
April 25, 2002	EX-99.6	EX-99.6 EXHIBIT 99.6 FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITY DUE 2032 THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS. NEITHER THIS SECURITY NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED O
March 29, 2002	EX-13	EX-13 EXHIBIT 13 NORTHWAY FINANCIAL, INC. ANNUAL REPORT TO STOCKHOLDERS NORTHWAY FINANCIAL, INC. AND SUBSIDIARIES MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS The purpose of this discussion is to focus on significant changes in the financial condition and results of operations of Northway Financial, Inc. ("the Company") and its subsidiaries. It is intended to sup
March 29, 2002	EX-21	EX-21 Exhibit 21 List of Subsidiaries Northway Financial, Inc. 2001 Annual report on Form 10-K Subsidiaries of the Registrant Jurisdiction of Name of Significant Subsidiary % Owned Incorporation - - - - Berlin City Bank 100 New Hampshire Pemigewasset National Bank 100 United States
March 29, 2002	10-K	NORTHWAY FINANCIAL FORM 10-K =============================================================================== SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 29, 2002	DEF 14A	NORTHWAY FINANCIAL, INC. SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(A) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant [X] Filed by a party other than the Registrant Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) [X] Definitive Proxy Statement [ ] Definitive Additional Materials [ ] Soliciting Material Pursuant to Rule 14a-11(c) or Rule 14a-12 Northway Financial, Inc.
November 9, 2001	10-Q	NORTHWAY FIN. FORM 10-Q 09/30/2001 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 13, 2001	10-Q	NORTHWAY FIN. FORM 10-Q 06/30/2001 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
May 14, 2001	10-Q	NORTHWAY FIN. FORM 10-Q 03/31/01 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
March 29, 2001	DEF 14A	NORTHWAY FINANCIAL, INC. SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(A) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant [X] Filed by a party other than the Registrant Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) [X] Definitive Proxy Statement [ ] Definitive Additional Materials [ ] Soliciting Material Pursuant to Rule 14a-11(c) or Rule 14a-12 Northway Financial, Inc.
March 29, 2001	10-K	NORTHWAY FINANCIAL FORM 10-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
November 13, 2000	EX-27	EX-27 9 THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION AND ANALYSIS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND MANAGEMENT DISCUSSION.
November 13, 2000	10-Q	NORTHWAY FIN. FORM 10-Q 9-30-00 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
August 11, 2000	10-Q	NORTHWAY FIN. FORM 10-Q 6-30-00 NoSuchKey The specified key does not exist. edgar/data/1041753/000095015600000398/0001.txt A2M4D3KX17742FFZ 0lAUz2ziVXyshzg0thPcOsOo73on2JOe2pYrtcPjyXBKDUfPxHHOPWyQxuQVdHiRwnTqMvJrW8s=
August 11, 2000	EX-27	EX-27 9 THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION AND ANALYSIS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND MANAGEMENT DISCUSSION.

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