FDIC Certificate #: 28585 Status: Active Federal Reserve ID: 548472 Date Established: January 01, 1905 WWW:http://www.maplecitysavings.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 1899 FDIC's unique #: 41419 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 05, 1953 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 145 Main Street, Hornell, NY 14843 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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $47.6 mil Equity capital: $6.3 mil Deposits held in domestic offices: $40.8 mil Return on assets (ROA): 0.20% ($0.1 mil) Quarterly return on assets: 0.54% ($0.3 mil) Return on Equity (ROE): 1.55% ($0.1 mil) Quarterly return on equity: 4.09% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.24% ($114.3 mil) Quarterly Pretax return on assets: 0.67% ($319.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$47,636Total assets
$4,768Cash and due from depository institutions
$3,016Interest-bearing balances
$144Securities
$0Federal funds sold & reverse repurchase agreements
$41,111Net loans & leases
$122Loan loss allowance
$0Trading account assets
$1,262Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$47,636Life insurance assets
$351All other assets
$41,352Total liabilities and capital
$40,847Total liabilities
$38,276Total deposits
$40,847Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$505Subordinated debt
$6,284All other liabilities
$6,284Total equity capital
$6,284Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$0Surplus
$5,784Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$392Income earned, not collected on loans
$0Earning assets
$81Long-term assets (5+ years)
$44,271Average Assets, year-to-date
$0Average Assets, quarterly
$47,674Volatile liabilities
$47,371Insider loans
$29,358FHLB advances
$47,540Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,188Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,503Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,471Total interest income
$341Total interest expense
$2,130Net interest income
$120Provision for loan and lease losses
$263Total noninterest income
$0Fiduciary activities
$92Service charges on deposit accounts
$0Trading account gains & fees
$171Additional noninterest income
$2,159Total noninterest expense
$1,310Salaries and employee benefits
$242Premises and equipment expense
$607Additional noninterest expense
$114Pre-tax net operating income
$0Securities gains (losses)
$17Applicable income taxes
$97Income before extraordinary items
$0Extraordinary gains - net
$97Net income attributable to bank
$0Net charge-offs
$97Cash dividends
$150Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.61%Yield on earning assets
0.77%Cost of funding earning assets
4.83%Net interest margin
0.60%Noninterest income to earning assets
4.90%Noninterest expense to earning assets
0.20%Net operating income to assets
0.20%Return on assets (ROA)
0.24%Pretax return on assets
1.55%Return on equity (ROE)
1.55%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
80.00%Credit loss provision to net charge-offs
1.56%Efficiency ratio
90,221Assets per employee
2.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.30%Loss allowance to noncurrent loans
31.12%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
0.95%Net loans and leases to deposits
100.65%Net loans and leases to core deposits
100.65%Equity capital to assets
13.19%Core capital (leverage) ratio
13.02%Tier 1 risk-based capital ratio
21.08%Total risk-based capital ratio
Memoranda
$21Average assets
$47,674Average earning assets
$6,262Average equity
$44,085Average loans
List of branches
1 New York Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41419
Maple City Savings Bank, Fsb
145 Main Street, Hornell, NY 14843
January 01, 1905
Full Service Brick and Mortar
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