Bank of Millbrook in city_name, state_name - Detailed Financial Reports, Location

Bank of Millbrook in Millbrook, New York (NY)
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Bank of Millbrook routing number info

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Bank of Millbrook - Overview

General
FDIC Certificate #: 618
Status: Active
Federal Reserve ID: 175609
Bank Holding Company (Regulatory Top Holder): Millbrook Bank System, Inc. (RSSDID: 2646998, Location: Millbrook, NY)
Date Established: May 18, 1891
WWW: http://www.bankofmillbrook.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 412
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 01, 2010
Last Structure Change Process Date: January 13, 2011
Last Data Update: January 13, 2011
Data Source Date: April 05, 2012
Location
Address: 3263 Franklin Avenue, Millbrook, NY 12545
County: Dutchess
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Syracuse
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Dutchess County, NY (#2281)
Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
Core Based Statistical Area (CBSA): Poughkeepsie-Newburgh-Middletown, NY (#39100)
CBSA Metro Statistical Area: Poughkeepsie-Newburgh-Middletown, NY (#39100)
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $184.6 mil
Equity capital: $21.6 mil
Deposits held in domestic offices: $160.7 mil
Return on assets (ROA): 0.82% ($1.5 mil)
Quarterly return on assets: 0.32% ($0.6 mil)
Return on Equity (ROE): 7.30% ($1.6 mil)
Quarterly return on equity: 2.79% ($0.6 mil)
Net income: $1.5 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.05% ($1,937.9 mil)
Quarterly Pretax return on assets: 0.50% ($922.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
41Total employees (full-time equivalent)
$184,559Total assets
$9,368Cash and due from depository institutions
$0Interest-bearing balances
$56,334Securities
$1,369Federal funds sold & reverse repurchase agreements
$107,423Net loans & leases
$2,251Loan loss allowance
$0Trading account assets
$3,436Bank premises and fixed assets
$367Other real estate owned
$0Goodwill and other intangibles
$184,559Life insurance assets
$6,262All other assets
$162,966Total liabilities and capital
$160,730Total liabilities
$108,012Total deposits
$160,730Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,236Subordinated debt
$21,593All other liabilities
$21,593Total equity capital
$21,593Total bank equity capital
$0Perpetual preferred stock
$2,400Common stock
$520Surplus
$18,673Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,500Income earned, not collected on loans
$0Earning assets
$391Long-term assets (5+ years)
$165,126Average Assets, year-to-date
$37,038Average Assets, quarterly
$187,377Volatile liabilities
$188,352Insider loans
$104,493FHLB advances
$190,929Loans and leases held for sale
$1,439Unused loan commitments
$1,439Tier 1 (core) risk-based capital
$20,836Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,029Restructured Loans and leases
$3,563Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,049Total interest income
$329Total interest expense
$6,720Net interest income
$415Provision for loan and lease losses
$1,345Total noninterest income
$540Fiduciary activities
$384Service charges on deposit accounts
$0Trading account gains & fees
$421Additional noninterest income
$5,641Total noninterest expense
$2,683Salaries and employee benefits
$1,063Premises and equipment expense
$1,895Additional noninterest expense
$2,009Pre-tax net operating income
-$43Securities gains (losses)
$421Applicable income taxes
$1,545Income before extraordinary items
$0Extraordinary gains - net
$1,545Net income attributable to bank
$0Net charge-offs
$1,545Cash dividends
$292Sale, conversion, retirement of capital stock, net
$984Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.19%Yield on earning assets
0.20%Cost of funding earning assets
3.99%Net interest margin
0.80%Noninterest income to earning assets
3.35%Noninterest expense to earning assets
0.84%Net operating income to assets
0.82%Return on assets (ROA)
1.05%Pretax return on assets
7.30%Return on equity (ROE)
2.65%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
142.12%Credit loss provision to net charge-offs
8.30%Efficiency ratio
69,944Assets per employee
4.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.69%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
90.04%Noncurrent assets plus other real estate owned to assets
1.55%Noncurrent loans to loans
2.28%Net loans and leases to deposits
66.83%Net loans and leases to core deposits
74.85%Equity capital to assets
11.70%Core capital (leverage) ratio
10.91%Tier 1 risk-based capital ratio
19.94%Total risk-based capital ratio
Memoranda
$21Average assets
$187,377Average earning assets
$21,177Average equity
$168,313Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$83,898Managed Assets
1Number of Accounts
$79,686Personal trust and agency accounts
$28,585Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$3,681Corporate trust and agency accounts
$0Investment management agency accounts
$47,420Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
158Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$4,212Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$4,212Fiduciary accounts held in foreign offices

List of branches

4 New York Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	412	Bank Of Millbrook	3263 Franklin Avenue, Millbrook, NY 12545	May 18, 1891	Full Service Brick and Mortar
2	468658	Amenia Branch	5094 Route 22, Amenia, NY 12501	October 23, 2003	Full Service Brick and Mortar
3	4775	Pine Plains Branch	2971 Church Street, Pine Plains, NY 12567	October 10, 1839	Full Service Brick and Mortar
4	214866	Stanford Branch	11 Hunns Lake Road, Stanfordville, NY 12581	August 24, 1964	Full Service Brick and Mortar

Bank of Millbrook in Millbrook, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Millbrook - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Millbrook in Millbrook, New York (NY)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Millbrook - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Millbrook in Millbrook, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches