Central National Bank, Canajoharie in city_name, state_name

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

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

Central National Bank, Canajoharie - Overview

Assets and Liabilities (December 31, 2000)

Income and Expense (December 31, 2000)

Performance and Condition Ratios (December 31, 2000)

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

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

Central National Bank, Canajoharie - Overview

Assets and Liabilities (December 31, 2000)

Income and Expense (December 31, 2000)

Performance and Condition Ratios (December 31, 2000)

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

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