Wyoming County Bank in Warsaw, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 03, 2005

  • Wyoming County Bank in Warsaw, New York (NY)
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Wyoming County Bank - Overview

  • General
  • FDIC Certificate #: 13298
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Five Star Bank (#659)
    Federal Reserve ID: 464116
    Date Established: January 01, 1851
    WWW: http://www.wycobank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Interstate: No)
    OTS Docket #: 13860
    FDIC's unique #: 8407
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 03, 2005
    Last Structure Change Process Date: January 05, 2006
    Last Data Update: January 05, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 55 North Main Street, Warsaw, NY 14569
    County: Wyoming
    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
  • Financial Summary
  • Total assets: $731.0 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, 2004)

  • Dollar figures in thousands
  • 167Total employees (full-time equivalent)
  • $747,228Total assets
  • $18,497Cash and due from depository institutions
  • $0Interest-bearing balances
  • $197,458Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $510,079Net loans & leases
  • $13,946Loan loss allowance
  • $0Trading account assets
  • $6,692Bank premises and fixed assets
  • $276Other real estate owned
  • $569Goodwill and other intangibles
  • $0Life insurance assets
  • $13,657All other assets
  • $747,228Total liabilities and capital
  • $694,768Total liabilities
  • $664,548Total deposits
  • $556,607Interest-bearing deposits
  • $664,548Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,303Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13,711Other borrowed funds
  • $0Subordinated debt
  • $5,206All other liabilities
  • $52,460Total equity capital
  • $52,460Total bank equity capital
  • $52,460Perpetual preferred stock
  • $0Common stock
  • $900Surplus
  • $4,200Undivided profits
  • Memoranda
  • $47,360Noncurrent loans and leases
  • $117,298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $21,757Earning assets
  • $3,245Long-term assets (5+ years)
  • $3,533Average Assets, year-to-date
  • $707,537Average Assets, quarterly
  • $235,719Volatile liabilities
  • $765,136Insider loans
  • $753,396FHLB advances
  • $105,701Loans and leases held for sale
  • $13,044Unused loan commitments
  • $13,711Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,011Total risk weighted assets
  • $117,298Total unused commitments
  • $0Restructured Loans and leases
  • $6,725Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $39,398Total interest income
  • $10,345Total interest expense
  • $29,053Net interest income
  • $5,111Provision for loan and lease losses
  • $6,263Total noninterest income
  • $123Fiduciary activities
  • $3,970Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,170Additional noninterest income
  • $18,919Total noninterest expense
  • $8,378Salaries and employee benefits
  • $2,014Premises and equipment expense
  • $8,527Additional noninterest expense
  • $11,286Pre-tax net operating income
  • $33Securities gains (losses)
  • $3,662Applicable income taxes
  • $7,657Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,657Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,531Sale, conversion, retirement of capital stock, net
  • $4,500Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 14.80%Return on equity (ROE)
  • 6.10%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 333.83%Credit loss provision to net charge-offs
  • 10.71%Efficiency ratio
  • 53,163Assets per employee
  • 4.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.77%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 64.10%Noncurrent assets plus other real estate owned to assets
  • 2.95%Noncurrent loans to loans
  • 4.15%Net loans and leases to deposits
  • 76.76%Net loans and leases to core deposits
  • 89.31%Equity capital to assets
  • 7.02%Core capital (leverage) ratio
  • 6.82%Tier 1 risk-based capital ratio
  • 9.71%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $765,136Average earning assets
  • $51,749Average equity
  • $728,092Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $31,719Managed Assets
  • 1Number of Accounts
  • $31,719Personal trust and agency accounts
  • $26,902Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,585Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $3,232Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 57Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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