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


  • USNY Bank in Geneva, New York (NY)
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USNY Bank routing number info

USNY Bank - Overview

  • General
  • FDIC Certificate #: 58541
    Status: Active
    Federal Reserve ID: 3620922
    Date Established: July 31, 2007
    WWW: http://www.usnybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 455787
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 31, 2007
    Last Structure Change Effective Date: July 31, 2007
    Last Structure Change Process Date: August 01, 2007
    Last Data Update: August 01, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 389 Hamilton 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)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $109.5 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $97.0 mil
    Return on assets (ROA): 1.36% ($1.5 mil)
    Quarterly return on assets: 1.22% ($1.3 mil)
    Return on Equity (ROE): 13.02% ($1.4 mil)
    Quarterly return on equity: 12.36% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.07% ($2,267.5 mil)
    Quarterly Pretax return on assets: 1.75% ($1,917.0 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
  • 21Total employees (full-time equivalent)
  • $109,542Total assets
  • $10,286Cash and due from depository institutions
  • $7,424Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $96,343Net loans & leases
  • $1,590Loan loss allowance
  • $0Trading account assets
  • $722Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $109,542Life insurance assets
  • $2,191All other assets
  • $98,858Total liabilities and capital
  • $96,997Total liabilities
  • $82,758Total deposits
  • $96,997Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 1500.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $361Subordinated debt
  • $10,684All other liabilities
  • $10,684Total equity capital
  • $10,684Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $6,481Surplus
  • $203Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $340Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $405Income earned, not collected on loans
  • $0Earning assets
  • $432Long-term assets (5+ years)
  • $103,767Average Assets, year-to-date
  • $18,017Average Assets, quarterly
  • $96,001Volatile liabilities
  • $106,691Insider loans
  • $90,510FHLB advances
  • $104,660Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,684Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,406Restructured Loans and leases
  • $2,021Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,363Total interest income
  • $924Total interest expense
  • $4,439Net interest income
  • $397Provision for loan and lease losses
  • $610Total noninterest income
  • $0Fiduciary activities
  • $149Service charges on deposit accounts
  • $0Trading account gains & fees
  • $461Additional noninterest income
  • $2,663Total noninterest expense
  • $919Salaries and employee benefits
  • $456Premises and equipment expense
  • $1,288Additional noninterest expense
  • $1,989Pre-tax net operating income
  • $0Securities gains (losses)
  • $684Applicable income taxes
  • $1,305Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,305Net income attributable to bank
  • $0Net charge-offs
  • $1,305Cash dividends
  • -$3Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.91%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.89%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 2.07%Pretax return on assets
  • 13.02%Return on equity (ROE)
  • 13.02%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -13233.33%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 52,743Assets per employee
  • 5.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 392.59%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 99.33%Net loans and leases to core deposits
  • 134.56%Equity capital to assets
  • 9.75%Core capital (leverage) ratio
  • 10.21%Tier 1 risk-based capital ratio
  • 11.80%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $96,001Average earning assets
  • $10,027Average equity
  • $90,696Average loans

List of branches

  • 2 New York Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0455787Usny Bank389 Hamilton Street, Geneva, NY 14456July 31, 2007Full Service Brick and Mortar
    1470124Cooperstown Branch73 Chestnut Street, Cooperstown, NY 13326December 19, 2007Full Service Brick and Mortar

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