Bath National Bank in city_name, state_name - Detailed Financial Reports, Location

Bath National Bank in Bath, New York (NY)
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Bath National Bank - Overview

General
FDIC Certificate #: 6962
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Five Star Bank (#659)
Federal Reserve ID: 66903
Date Established: July 31, 1912
WWW: http://www.bathnational.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 12 (Interstate: No)
OTS Docket #: 11540
FDIC's unique #: 4667
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 03, 2005
Last Structure Change Process Date: January 05, 2006
Last Data Update: January 05, 2006
Data Source Date: April 05, 2012
Location
Address: 44 Liberty Street, Bath, NY 14810
County: Steuben
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
Core Based Statistical Area (CBSA): Corning, NY (#18500)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $461.5 mil

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

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2004)

Dollar figures in thousands
125Total employees (full-time equivalent)
$472,447Total assets
$7,967Cash and due from depository institutions
$0Interest-bearing balances
$175,750Securities
$0Federal funds sold & reverse repurchase agreements
$233,473Net loans & leases
$4,772Loan loss allowance
$0Trading account assets
$5,429Bank premises and fixed assets
$367Other real estate owned
$39,310Goodwill and other intangibles
$0Life insurance assets
$10,151All other assets
$472,447Total liabilities and capital
$393,481Total liabilities
$354,503Total deposits
$299,240Interest-bearing deposits
$354,503Deposits held in domestic offices
0.00%% insured (estimated)
$8,503Federal funds purchased & repurchase agreements
$0Trading liabilities
$28,000Other borrowed funds
$0Subordinated debt
$2,475All other liabilities
$78,966Total equity capital
$78,966Total bank equity capital
$78,966Perpetual preferred stock
$0Common stock
$1,000Surplus
$68,990Undivided profits
Memoranda
$8,976Noncurrent loans and leases
$27,951Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7,281Earning assets
$649Long-term assets (5+ years)
$1,791Average Assets, year-to-date
$409,223Average Assets, quarterly
$168,949Volatile liabilities
$469,389Insider loans
$478,035FHLB advances
$41,711Loans and leases held for sale
$1,902Unused loan commitments
$28,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,313Total risk weighted assets
$27,951Total unused commitments
$0Restructured Loans and leases
$3,124Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$21,143Total interest income
$5,795Total interest expense
$15,348Net interest income
$1,430Provision for loan and lease losses
$4,260Total noninterest income
$61Fiduciary activities
$2,495Service charges on deposit accounts
$0Trading account gains & fees
$1,704Additional noninterest income
$12,897Total noninterest expense
$5,490Salaries and employee benefits
$1,309Premises and equipment expense
$6,098Additional noninterest expense
$5,281Pre-tax net operating income
$66Securities gains (losses)
$1,199Applicable income taxes
$4,148Income before extraordinary items
$0Extraordinary gains - net
$4,148Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,213Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
1.43%Cost of funding earning assets
3.78%Net interest margin
1.05%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
0.87%Net operating income to assets
0.88%Return on assets (ROA)
1.14%Pretax return on assets
5.36%Return on equity (ROE)
5.36%Retained earnings to average equity (YTD only)
0.51%Net charge-offs to loans
117.89%Credit loss provision to net charge-offs
5.53%Efficiency ratio
64,010Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
65.54%Noncurrent assets plus other real estate owned to assets
1.62%Noncurrent loans to loans
3.06%Net loans and leases to deposits
65.86%Net loans and leases to core deposits
72.44%Equity capital to assets
16.71%Core capital (leverage) ratio
8.78%Tier 1 risk-based capital ratio
15.62%Total risk-based capital ratio
Memoranda
$17Average assets
$469,389Average earning assets
$77,412Average equity
$406,264Average loans

Total Fiduciary and Related Assets (December 31, 2003)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$4,983Managed Assets
1Number of Accounts
$4,983Personal trust and agency accounts
$3,986Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$997Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
21Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

Bath National Bank in Bath, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bath National Bank - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Total Fiduciary and Related Assets (December 31, 2003)

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

Bath National Bank in Bath, New York (NY)Overview, Financial Summary, Detailed Financial Reports, Branches

Bath National Bank - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Total Fiduciary and Related Assets (December 31, 2003)

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

Bath National Bank in Bath, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches