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

This bank is inactive as of December 03, 2005

  • National Bank of Geneva in Geneva, New York (NY)
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National Bank of Geneva - Overview

  • General
  • FDIC Certificate #: 7070
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Five Star Bank (#659)
    Federal Reserve ID: 715809
    Date Established: March 28, 1817
    WWW: http://www.nbgeneva.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Interstate: No)
    OTS Docket #: 13974
    FDIC's unique #: 4712
    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: 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: 2 Seneca Street, Geneva, NY 14456
    County: Ontario
    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): Rochester, NY (#6840)
    Combined Statistical Area (CSA): Rochester-Batavia-Seneca Falls, NY (#464)
    Core Based Statistical Area (CBSA): Rochester, NY (#40380)
    CBSA Metro Statistical Area: Rochester, NY (#40380)
  • Financial Summary
  • Total assets: $649.7 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
  • 182Total employees (full-time equivalent)
  • $686,793Total assets
  • $14,232Cash and due from depository institutions
  • $0Interest-bearing balances
  • $273,347Securities
  • $7,408Federal funds sold & reverse repurchase agreements
  • $361,610Net loans & leases
  • $18,424Loan loss allowance
  • $0Trading account assets
  • $15,007Bank premises and fixed assets
  • $359Other real estate owned
  • $908Goodwill and other intangibles
  • $0Life insurance assets
  • $13,922All other assets
  • $686,793Total liabilities and capital
  • $626,396Total liabilities
  • $608,625Total deposits
  • $507,286Interest-bearing deposits
  • $608,625Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $8,203Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,648Other borrowed funds
  • $0Subordinated debt
  • $4,920All other liabilities
  • $60,397Total equity capital
  • $60,397Total bank equity capital
  • $60,397Perpetual preferred stock
  • $0Common stock
  • $1,400Surplus
  • $18,951Undivided profits
  • Memoranda
  • $40,046Noncurrent loans and leases
  • $77,224Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $24,541Earning assets
  • $2,603Long-term assets (5+ years)
  • $3,159Average Assets, year-to-date
  • $642,365Average Assets, quarterly
  • $213,631Volatile liabilities
  • $700,185Insider loans
  • $691,794FHLB advances
  • $82,593Loans and leases held for sale
  • $12,825Unused loan commitments
  • $4,637Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $325Total risk weighted assets
  • $77,224Total unused commitments
  • $0Restructured Loans and leases
  • $5,709Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $34,103Total interest income
  • $8,925Total interest expense
  • $25,178Net interest income
  • $12,800Provision for loan and lease losses
  • $7,250Total noninterest income
  • $258Fiduciary activities
  • $4,425Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,567Additional noninterest income
  • $20,467Total noninterest expense
  • $8,139Salaries and employee benefits
  • $2,296Premises and equipment expense
  • $10,032Additional noninterest expense
  • -$839Pre-tax net operating income
  • $120Securities gains (losses)
  • -$1,285Applicable income taxes
  • $566Income before extraordinary items
  • $0Extraordinary gains - net
  • $566Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $6,583Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.21%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.85%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.07%Net operating income to assets
  • 0.08%Return on assets (ROA)
  • -0.10%Pretax return on assets
  • 0.93%Return on equity (ROE)
  • 0.93%Retained earnings to average equity (YTD only)
  • 1.56%Net charge-offs to loans
  • 194.44%Credit loss provision to net charge-offs
  • 1.82%Efficiency ratio
  • 62,622Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.85%Loss allowance to noncurrent loans
  • 75.07%Noncurrent assets plus other real estate owned to assets
  • 3.63%Noncurrent loans to loans
  • 6.46%Net loans and leases to deposits
  • 59.41%Net loans and leases to core deposits
  • 67.56%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 8.47%Tier 1 risk-based capital ratio
  • 13.36%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $700,185Average earning assets
  • $61,073Average equity
  • $654,181Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $181,763Managed Assets
  • 1Number of Accounts
  • $56,783Personal trust and agency accounts
  • $32,097Employee benefit-defined contribution accounts
  • $121Employee benefit-defined benefit accounts
  • $3,028Other retirement accounts
  • $1,465Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $20,072Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 186Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $124,980Other retirement accounts
  • $4,601Corporate trust and agency accounts
  • $108,581Other fiduciary accounts
  • $331Fiduciary accounts held in foreign offices

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