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

This bank is inactive as of November 08, 2001

  • Central National Bank, Canajoharie in Canajoharie, New York (NY)
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Central National Bank, Canajoharie - Overview

  • General
  • FDIC Certificate #: 6984
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: NBT Bank, National Association (#7230)
    Federal Reserve ID: 12405
    Date Established: April 03, 1855
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 29 (Interstate: No)
    OTS Docket #: 10116
    FDIC's unique #: 4676
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 08, 2001
    Last Structure Change Process Date: November 20, 2001
    Last Data Update: November 20, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 24 Church Street, Canajoharie, NY 13317
    County: Montgomery
    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): Albany-Schenectady-Troy, NY (#160)
    Combined Statistical Area (CSA): Albany-Schenectady-Amsterdam, NY (#104)
    Core Based Statistical Area (CBSA): Amsterdam, NY (#11220)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $976.4 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 337Total employees (full-time equivalent)
  • $944,686Total assets
  • $16,529Cash and due from depository institutions
  • $1,362Interest-bearing balances
  • $363,832Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $524,967Net loans & leases
  • $8,145Loan loss allowance
  • $0Trading account assets
  • $8,351Bank premises and fixed assets
  • $632Other real estate owned
  • $18,341Goodwill and other intangibles
  • $0Life insurance assets
  • $12,034All other assets
  • $944,686Total liabilities and capital
  • $866,493Total liabilities
  • $800,213Total deposits
  • $730,992Interest-bearing deposits
  • $800,213Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $52,081Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,683Other borrowed funds
  • $0Subordinated debt
  • $12,516All other liabilities
  • $78,193Total equity capital
  • $78,193Total bank equity capital
  • $78,193Perpetual preferred stock
  • $0Common stock
  • $5,867Surplus
  • $21,000Undivided profits
  • Memoranda
  • $51,326Noncurrent loans and leases
  • $17,866Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,664Earning assets
  • $0Long-term assets (5+ years)
  • $2,801Average Assets, year-to-date
  • $890,161Average Assets, quarterly
  • $438,238Volatile liabilities
  • $931,296Insider loans
  • $941,072FHLB advances
  • $194,845Loans and leases held for sale
  • $1,470Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $968Total risk weighted assets
  • $17,866Total unused commitments
  • $0Restructured Loans and leases
  • $8,154Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $69,794Total interest income
  • $36,673Total interest expense
  • $33,121Net interest income
  • $1,465Provision for loan and lease losses
  • $4,407Total noninterest income
  • $439Fiduciary activities
  • $2,566Service charges on deposit accounts
  • $11Trading account gains & fees
  • $1,391Additional noninterest income
  • $23,637Total noninterest expense
  • $9,275Salaries and employee benefits
  • $3,110Premises and equipment expense
  • $11,252Additional noninterest expense
  • $12,426Pre-tax net operating income
  • -$1,057Securities gains (losses)
  • $2,956Applicable income taxes
  • $8,413Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,413Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,849Sale, conversion, retirement of capital stock, net
  • $4,951Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.00%Yield on earning assets
  • 4.20%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 11.70%Return on equity (ROE)
  • 4.81%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 79.23%Credit loss provision to net charge-offs
  • 7.51%Efficiency ratio
  • 59,801Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.85%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 174.64%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 65.60%Net loans and leases to core deposits
  • 79.79%Equity capital to assets
  • 8.28%Core capital (leverage) ratio
  • 6.39%Tier 1 risk-based capital ratio
  • 9.05%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $931,296Average earning assets
  • $71,929Average equity
  • $872,457Average loans

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