The National Union Bank of Kinderhook in city_name, state_name

The National Union Bank of Kinderhook in Kinderhook, New York (NY)
Show street view No street view available for this location

The National Union Bank of Kinderhook routing number info

The National Union Bank of Kinderhook - Overview

General
FDIC Certificate #: 7128
Status: Active
Federal Reserve ID: 313401
Bank Holding Company (Regulatory Top Holder): Kinderhook Bank Corp. (RSSDID: 2589732, Location: Kinderhook, NY)
Date Established: October 01, 1853
WWW: http://www.nubk.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)
OTS Docket #: 16125
FDIC's unique #: 4735
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
Location
Address: 1 Hudson Street, Kinderhook, NY 12106
County: Columbia
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
Combined Statistical Area (CSA): Albany-Schenectady-Amsterdam, NY (#104)
Core Based Statistical Area (CBSA): Hudson, NY (#26460)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $262.9 mil
Equity capital: $29.3 mil
Deposits held in domestic offices: $231.0 mil
Return on assets (ROA): 0.89% ($2.3 mil)
Quarterly return on assets: 0.68% ($1.8 mil)
Return on Equity (ROE): 9.30% ($2.7 mil)
Quarterly return on equity: 6.07% ($1.8 mil)
Net income: $2.3 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.21% ($3,180.5 mil)
Quarterly Pretax return on assets: 0.84% ($2,208.0 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
63Total employees (full-time equivalent)
$262,853Total assets
$7,578Cash and due from depository institutions
$3,159Interest-bearing balances
$49,098Securities
$0Federal funds sold & reverse repurchase agreements
$192,099Net loans & leases
$2,019Loan loss allowance
$0Trading account assets
$5,811Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$262,853Life insurance assets
$8,267All other assets
$233,508Total liabilities and capital
$230,996Total liabilities
$200,508Total deposits
$230,996Interest-bearing deposits
$82Deposits held in domestic offices
889.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,623Subordinated debt
$29,345All other liabilities
$29,288Total equity capital
$29,288Total bank equity capital
$0Perpetual preferred stock
$504Common stock
$14,500Surplus
$14,284Undivided profits
Memoranda
$57Noncurrent loans and leases
$339Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,506Income earned, not collected on loans
$0Earning assets
$916Long-term assets (5+ years)
$244,356Average Assets, year-to-date
$138,749Average Assets, quarterly
$256,141Volatile liabilities
$261,206Insider loans
$178,823FHLB advances
$261,526Loans and leases held for sale
$5,426Unused loan commitments
$548Tier 1 (core) risk-based capital
$28,177Tier 2 risk-based capital
$0Total risk weighted assets
$4,878Total unused commitments
$38,179Restructured Loans and leases
$4,484Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,078Total interest income
$1,593Total interest expense
$9,485Net interest income
$435Provision for loan and lease losses
$1,628Total noninterest income
$0Fiduciary activities
$386Service charges on deposit accounts
$0Trading account gains & fees
$1,242Additional noninterest income
$7,681Total noninterest expense
$4,429Salaries and employee benefits
$1,054Premises and equipment expense
$2,198Additional noninterest expense
$2,997Pre-tax net operating income
$108Securities gains (losses)
$828Applicable income taxes
$2,277Income before extraordinary items
$0Extraordinary gains - net
$2,277Net income attributable to bank
$0Net charge-offs
$2,277Cash dividends
-$46Sale, conversion, retirement of capital stock, net
$877Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.65%Yield on earning assets
0.67%Cost of funding earning assets
3.98%Net interest margin
0.68%Noninterest income to earning assets
3.22%Noninterest expense to earning assets
0.86%Net operating income to assets
0.89%Return on assets (ROA)
1.21%Pretax return on assets
9.30%Return on equity (ROE)
5.72%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
-945.65%Credit loss provision to net charge-offs
0.00%Efficiency ratio
69,117Assets per employee
4.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.52%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
134.06%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.78%Net loans and leases to deposits
83.16%Net loans and leases to core deposits
87.38%Equity capital to assets
11.14%Core capital (leverage) ratio
10.77%Tier 1 risk-based capital ratio
15.76%Total risk-based capital ratio
Memoranda
$17Average assets
$256,141Average earning assets
$24,473Average equity
$238,389Average loans

Bank Assets Sold and Securitized (December 31, 2011)

Dollar figures in thousands
Principal balance with servicing or other recourse retained
$711-4 family residential loans
$0Home equity lines
$0Credit cards receivables
$0Auto loans
$0Other consumer loans
$781Commercial and industrial loans
$4,675All other loans and all leases
Recoveries on Assets Sold and Securitized (included in principal balance and YTD only)
$711-4 family residential loans
$0>Home equity lines
$0Credit cards receivables
$0Auto loans
$0Other consumer loans
$0Commercial and industrial loans
$0All other loans and all leases

List of branches

6 New York Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4735	The National Union Bank Of Kinderhoo	1 Hudson Street, Kinderhook, NY 12106	October 01, 1853	Full Service Brick and Mortar
1	213921	Valatie Branch	Route 9, Valatie, NY 12184	July 15, 1966	Full Service Brick and Mortar
2	213922	Chatham Branch	Main Street And Hudson Avenue And Park Row, Chatham, NY 12037	Febuary 09, 1998	Full Service Brick and Mortar
4	364815	Greenport Branch	96 Union Turnpike, Hudson, NY 12534	October 16, 2001	Full Service Brick and Mortar
5	463524	The National Union Bank Of Kinderhoo	1 Hudson Street, Kinderhook, NY 12106	April 25, 2007	Limited Service Messenger
6	469110	East Greenbush Branch	567 Columbia Turnpike, East Greenbush, NY 12061	October 11, 2007	Full Service Brick and Mortar

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

The National Union Bank of Kinderhook - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Bank Assets Sold and Securitized (December 31, 2011)

List of branches

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

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

The National Union Bank of Kinderhook - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Bank Assets Sold and Securitized (December 31, 2011)

List of branches

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

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