Seneca Federal Savings and Loan Association in Baldwinsville, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Seneca Federal Savings and Loan Association in Baldwinsville, New York (NY)
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Seneca Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29496
    Status: Active
    Federal Reserve ID: 276074
    Date Established: January 01, 1928
    WWW: http://www.senecafederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3552
    FDIC's unique #: 42330
    Numeric code: 38
    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 24, 1936
    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: 35 Oswego St, Baldwinsville, NY 13027
    County: Onondaga
    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): Syracuse, NY (#8160)
    Combined Statistical Area (CSA): Syracuse-Auburn, NY (#532)
    Core Based Statistical Area (CBSA): Syracuse, NY (#45060)
    CBSA Metro Statistical Area: Syracuse, NY (#45060)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $146.7 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $117.7 mil
    Return on assets (ROA): -0.13% (-$0.2 mil)
    Quarterly return on assets: 0.07% ($0.1 mil)
    Return on Equity (ROE): -1.77% (-$0.2 mil)
    Quarterly return on equity: 1.02% ($0.1 mil)
    Net income: -$0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.00% ($0.0 mil)
    Quarterly Pretax return on assets: 0.03% ($44.0 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
  • 38Total employees (full-time equivalent)
  • $146,749Total assets
  • $22,495Cash and due from depository institutions
  • $19,423Interest-bearing balances
  • $29,039Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $91,320Net loans & leases
  • $1,003Loan loss allowance
  • $0Trading account assets
  • $1,149Bank premises and fixed assets
  • $10Other real estate owned
  • $0Goodwill and other intangibles
  • $146,749Life insurance assets
  • $2,736All other assets
  • $136,102Total liabilities and capital
  • $117,660Total liabilities
  • $108,069Total deposits
  • $117,660Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,900Trading liabilities
  • $0Other borrowed funds
  • $542Subordinated debt
  • $10,647All other liabilities
  • $10,647Total equity capital
  • $10,647Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $10,647Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $429Income earned, not collected on loans
  • $0Earning assets
  • $501Long-term assets (5+ years)
  • $139,782Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $150,206Volatile liabilities
  • $148,026Insider loans
  • $67,376FHLB advances
  • $146,619Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,126Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,676Restructured Loans and leases
  • $1,232Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,188Total interest income
  • $2,136Total interest expense
  • $4,052Net interest income
  • $836Provision for loan and lease losses
  • $840Total noninterest income
  • $0Fiduciary activities
  • $48Service charges on deposit accounts
  • $0Trading account gains & fees
  • $792Additional noninterest income
  • $4,051Total noninterest expense
  • $2,531Salaries and employee benefits
  • $600Premises and equipment expense
  • $920Additional noninterest expense
  • $5Pre-tax net operating income
  • -$3Securities gains (losses)
  • $193Applicable income taxes
  • -$191Income before extraordinary items
  • $0Extraordinary gains - net
  • -$191Net income attributable to bank
  • $0Net charge-offs
  • -$191Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 1.49%Cost of funding earning assets
  • 2.83%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • -0.13%Net operating income to assets
  • -0.13%Return on assets (ROA)
  • 0.00%Pretax return on assets
  • -1.77%Return on equity (ROE)
  • -1.77%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 7600.00%Credit loss provision to net charge-offs
  • 76.45%Efficiency ratio
  • 82,809Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 233.80%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 77.61%Net loans and leases to core deposits
  • 81.76%Equity capital to assets
  • 7.26%Core capital (leverage) ratio
  • 8.32%Tier 1 risk-based capital ratio
  • 18.00%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $150,206Average earning assets
  • $10,804Average equity
  • $143,408Average loans

List of branches

  • 3 New York Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042330Seneca Federal Savings And Loan Asso35 Oswego St, Baldwinsville, NY 13027January 01, 1928Full Service Brick and Mortar
    1275239105 Second Street Branch105 Second Street, Liverpool, NY 13088January 01, 1928Full Service Brick and Mortar
    2275240201 N Main Street Branch201 N Main Street, North Syracuse, NY 13212January 01, 1928Full Service Brick and Mortar

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