The Rochester Community Savings Bank in Rochester, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 03, 1997

  • The Rochester Community Savings Bank in Rochester, New York (NY)
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The Rochester Community Savings Bank - Overview

  • General
  • FDIC Certificate #: 16034
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Charter One Bank, National Association (#28932)
    Federal Reserve ID: 833011
    Date Established: November 01, 1869
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 42 (Interstate: No)
    OTS Docket #: 7475
    FDIC's unique #: 10263
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 01, 1943
    Last Structure Change Effective Date: October 03, 1997
    Last Structure Change Process Date: December 18, 1997
    Last Data Update: December 18, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 40 Franklin Street, Rochester, NY 14604
    County: Monroe
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Chicago
    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: $4,106.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $1,645Total assets
  • $4,087,731Cash and due from depository institutions
  • $92,536Interest-bearing balances
  • $7,695Securities
  • $1,715,002Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $2,048,351Loan loss allowance
  • $28,840Trading account assets
  • $0Bank premises and fixed assets
  • $36,221Other real estate owned
  • $4,941Goodwill and other intangibles
  • $65,995Life insurance assets
  • $124,685All other assets
  • $0Total liabilities and capital
  • $4,087,731Total liabilities
  • $3,771,033Total deposits
  • $2,524,612Interest-bearing deposits
  • $2,394,023Deposits held in domestic offices
  • 2524612.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $936,093Trading liabilities
  • $0Other borrowed funds
  • $262,346Subordinated debt
  • $0All other liabilities
  • $47,982Total equity capital
  • $47,982Total bank equity capital
  • $316,698Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $257,117Undivided profits
  • Memoranda
  • $58,581Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,516Income earned, not collected on loans
  • $11,647Earning assets
  • $3,771,048Long-term assets (5+ years)
  • $506,536Average Assets, year-to-date
  • $4,010,117Average Assets, quarterly
  • $4,049,163Volatile liabilities
  • $1,382,492Insider loans
  • $230FHLB advances
  • $0Loans and leases held for sale
  • $172,809Unused loan commitments
  • $302,208Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $309,923Total risk weighted assets
  • $2,727,216Total unused commitments
  • $0Restructured Loans and leases
  • $947,690Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $298,579Total interest expense
  • $166,098Net interest income
  • $132,481Provision for loan and lease losses
  • $14,204Total noninterest income
  • $87,428Fiduciary activities
  • $0Service charges on deposit accounts
  • $4,670Trading account gains & fees
  • $0Additional noninterest income
  • $82,758Total noninterest expense
  • $147,293Salaries and employee benefits
  • $72,768Premises and equipment expense
  • $18,399Additional noninterest expense
  • $56,126Pre-tax net operating income
  • $58,412Securities gains (losses)
  • $1,900Applicable income taxes
  • $18,188Income before extraordinary items
  • $42,124Extraordinary gains - net
  • $0Net income attributable to bank
  • $42,124Net charge-offs
  • $11,746Cash dividends
  • $95,257Sale, conversion, retirement of capital stock, net
  • $1,127Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.05%Cost of funding earning assets
  • 4.48%Net interest margin
  • 3.57%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 3.97%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 1.50%Return on equity (ROE)
  • 12.39%Retained earnings to average equity (YTD only)
  • -15.63%Net charge-offs to loans
  • 0.57%Credit loss provision to net charge-offs
  • 120.93%Efficiency ratio
  • 59,826Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 226.13%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 134.04%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 81.14%Net loans and leases to core deposits
  • 90.49%Equity capital to assets
  • 7.75%Core capital (leverage) ratio
  • 7.73%Tier 1 risk-based capital ratio
  • 11.36%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $4,010,117Average earning assets
  • $339,927Average equity
  • $3,710,055Average loans
1
Nancy Theodorou Rogers
⚠
Aug 8, 2023 @ 8:08 am
I received information from Social Security that I still have a pension from Rochester Community Savings Bank. Does anyone know how I can track this down? Thanks!

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