The National Bank of Coxsackie in city_name, state_name - Detailed Financial Reports, Location

The National Bank of Coxsackie in Coxsackie, New York (NY)
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The National Bank of Coxsackie routing number info

The National Bank of Coxsackie - Overview

General
FDIC Certificate #: 7018
Status: Active
Federal Reserve ID: 234506
Date Established: January 01, 1852
WWW: http://www.intermonetary.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 4694
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: 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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 3-7 Reed Street, Coxsackie, NY 12051
County: Greene
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $206.4 mil
Equity capital: $23.2 mil
Deposits held in domestic offices: $182.4 mil
Return on assets (ROA): 0.71% ($1.5 mil)
Quarterly return on assets: 0.42% ($0.9 mil)
Return on Equity (ROE): 6.20% ($1.4 mil)
Quarterly return on equity: 3.70% ($0.9 mil)
Net income: $1.4 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.89% ($1,837.3 mil)
Quarterly Pretax return on assets: 0.30% ($619.3 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
55Total employees (full-time equivalent)
$206,436Total assets
$14,135Cash and due from depository institutions
$10,356Interest-bearing balances
$68,340Securities
$7,536Federal funds sold & reverse repurchase agreements
$111,051Net loans & leases
$1,460Loan loss allowance
$0Trading account assets
$2,982Bank premises and fixed assets
$76Other real estate owned
$0Goodwill and other intangibles
$206,436Life insurance assets
$2,316All other assets
$183,265Total liabilities and capital
$182,414Total liabilities
$147,999Total deposits
$182,414Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$851Subordinated debt
$23,171All other liabilities
$23,171Total equity capital
$23,171Total bank equity capital
$0Perpetual preferred stock
$1,944Common stock
$12,014Surplus
$9,213Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,643Income earned, not collected on loans
$0Earning assets
$775Long-term assets (5+ years)
$197,283Average Assets, year-to-date
$70,405Average Assets, quarterly
$199,739Volatile liabilities
$206,587Insider loans
$123,109FHLB advances
$212,117Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$22,120Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,861Restructured Loans and leases
$3,036Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,026Total interest income
$1,006Total interest expense
$7,020Net interest income
$295Provision for loan and lease losses
$784Total noninterest income
$0Fiduciary activities
$388Service charges on deposit accounts
$0Trading account gains & fees
$396Additional noninterest income
$5,733Total noninterest expense
$3,162Salaries and employee benefits
$773Premises and equipment expense
$1,798Additional noninterest expense
$1,776Pre-tax net operating income
-$3Securities gains (losses)
$355Applicable income taxes
$1,418Income before extraordinary items
$0Extraordinary gains - net
$1,418Net income attributable to bank
$0Net charge-offs
$1,418Cash dividends
$550Sale, conversion, retirement of capital stock, net
$1,128Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.22%Yield on earning assets
0.53%Cost of funding earning assets
3.69%Net interest margin
0.41%Noninterest income to earning assets
3.02%Noninterest expense to earning assets
0.71%Net operating income to assets
0.71%Return on assets (ROA)
0.89%Pretax return on assets
6.20%Return on equity (ROE)
1.27%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
53.64%Credit loss provision to net charge-offs
3.77%Efficiency ratio
73,462Assets per employee
3.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
79.55%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
88.86%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
1.46%Net loans and leases to deposits
60.88%Net loans and leases to core deposits
65.52%Equity capital to assets
11.22%Core capital (leverage) ratio
10.43%Tier 1 risk-based capital ratio
17.97%Total risk-based capital ratio
Memoranda
$19Average assets
$199,739Average earning assets
$22,874Average equity
$190,048Average loans

List of branches

6 New York Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4694	The National Bank Of Coxsackie	3-7 Reed Street, Coxsackie, NY 12051	January 01, 1852	Full Service Brick and Mortar
1	213386	Greenville Branch	6500 Rt 81, Greenville, NY 12083	March 15, 1965	Full Service Brick and Mortar
2	213387	Drive-In Branch	Route 385, West Coxsackie, NY 12192	May 05, 1975	Full Service Brick and Mortar
3	213388	Ravena Branch	Route 9w, Ravena, NY 12143	September 25, 1976	Full Service Brick and Mortar
5	213044	Athens Branch	1 North Washington Street, Athens, NY 12015	May 09, 1955	Full Service Brick and Mortar
6	453295	Cairo Branch	76 Main Street, Cairo, NY 12413	May 13, 2006	Full Service Brick and Mortar

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

The National Bank of Coxsackie - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

The National Bank of Coxsackie - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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