Alliance Bank, National Association in Syracuse, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Alliance Bank, National Association - Overview

  • General
  • FDIC Certificate #: 7237
    Status: Active
    Federal Reserve ID: 814216
    Bank Holding Company (Regulatory Top Holder): Alliance Financial Corporation (RSSDID: 1140510, Location: Syracuse, NY)
    Date Established: December 12, 1851
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 28 (Domestic: 28, Interstate: No)
    OTS Docket #: 11143
    FDIC's unique #: 4769
    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: October 06, 2006
    Last Structure Change Process Date: October 25, 2006
    Last Data Update: October 25, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 Madison Street, Mony Tower Ii, 18th Floor, Syracuse, NY 13202
    County: Onondaga
    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): Syracuse, NY (#8160)
    Combined Statistical Area (CSA): Syracuse-Auburn, NY (#532)
    Core Based Statistical Area (CBSA): Syracuse, NY (#45060)
    CBSA Metro Statistical Area: Syracuse, NY (#45060)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,403.5 mil
    Equity capital: $160.3 mil
    Deposits held in domestic offices: $1,088.5 mil
    Return on assets (ROA): 0.99% ($13.9 mil)
    Quarterly return on assets: 0.85% ($11.9 mil)
    Return on Equity (ROE): 9.22% ($14.8 mil)
    Quarterly return on equity: 7.53% ($12.0 mil)
    Net income: $14.3 mil
    Quarterly Net income: $3.0 mil
    Pretax return on assets: 1.31% ($18,385.6 mil)
    Quarterly Pretax return on assets: 1.08% ($15,157.6 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
  • 328Total employees (full-time equivalent)
  • $1,403,481Total assets
  • $52,802Cash and due from depository institutions
  • $26,996Interest-bearing balances
  • $374,296Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $863,169Net loans & leases
  • $10,769Loan loss allowance
  • $0Trading account assets
  • $16,057Bank premises and fixed assets
  • $486Other real estate owned
  • $39,815Goodwill and other intangibles
  • $1,403,481Life insurance assets
  • $56,856All other assets
  • $1,243,206Total liabilities and capital
  • $1,088,511Total liabilities
  • $897,432Total deposits
  • $1,088,511Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 26310.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $110,000Trading liabilities
  • $0Other borrowed funds
  • $18,385Subordinated debt
  • $160,275All other liabilities
  • $160,275Total equity capital
  • $160,275Total bank equity capital
  • $0Perpetual preferred stock
  • $6,360Common stock
  • $52,243Surplus
  • $101,672Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,217Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,287Income earned, not collected on loans
  • $323Earning assets
  • $3,933Long-term assets (5+ years)
  • $1,264,461Average Assets, year-to-date
  • $488,790Average Assets, quarterly
  • $1,442,596Volatile liabilities
  • $1,414,848Insider loans
  • $853,465FHLB advances
  • $1,386,050Loans and leases held for sale
  • $29,809Unused loan commitments
  • $29,809Tier 1 (core) risk-based capital
  • $117,759Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $173,659Restructured Loans and leases
  • $3,000Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $55,740Total interest income
  • $11,821Total interest expense
  • $43,919Net interest income
  • $1,910Provision for loan and lease losses
  • $18,249Total noninterest income
  • $7,458Fiduciary activities
  • $4,463Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,328Additional noninterest income
  • $42,736Total noninterest expense
  • $21,902Salaries and employee benefits
  • $5,313Premises and equipment expense
  • $15,521Additional noninterest expense
  • $17,522Pre-tax net operating income
  • $1,325Securities gains (losses)
  • $4,514Applicable income taxes
  • $14,333Income before extraordinary items
  • $0Extraordinary gains - net
  • $14,333Net income attributable to bank
  • $0Net charge-offs
  • $14,333Cash dividends
  • $1,824Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.37%Net interest margin
  • 1.40%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 9.22%Return on equity (ROE)
  • 5.36%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 104.71%Credit loss provision to net charge-offs
  • 10.65%Efficiency ratio
  • 67,224Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.86%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 95.41%Noncurrent assets plus other real estate owned to assets
  • 0.84%Noncurrent loans to loans
  • 1.29%Net loans and leases to deposits
  • 79.30%Net loans and leases to core deposits
  • 87.36%Equity capital to assets
  • 11.42%Core capital (leverage) ratio
  • 8.50%Tier 1 risk-based capital ratio
  • 13.80%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,442,596Average earning assets
  • $155,487Average equity
  • $1,303,186Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $741,058Managed Assets
  • 1Number of Accounts
  • $707,634Personal trust and agency accounts
  • $459,956Employee benefit-defined contribution accounts
  • $34,032Employee benefit-defined benefit accounts
  • $69Other retirement accounts
  • $34,736Corporate trust and agency accounts
  • $982Investment management agency accounts
  • $177,859Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1919Number of Accounts
  • $0Personal trust and agency accounts
  • $34,736Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $33,424Other retirement accounts
  • $1,666Corporate trust and agency accounts
  • $8,669Other fiduciary accounts
  • $18,126Fiduciary accounts held in foreign offices

List of branches

  • 28 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04769Alliance Bank, National Association120 Madison Street, Mony Tower Ii, 18th Floor, Syracuse, NY 13202December 12, 1851Full Service Brick and Mortar
    1214833Hamilton Branch1 Madison Street, Hamilton, NY 13346December 19, 1949Full Service Brick and Mortar
    2214834Sherrill Branch628 Sherrill Road, Sherrill, NY 13461April 05, 1954Full Service Brick and Mortar
    4214836Canastota BranchRoute 5 And Stroud Street, Canastota, NY 13032December 07, 1974Full Service Brick and Mortar
    5214837Drive-In Branch38-40 Utica Street, Hamilton, NY 13346January 26, 1976Limited Service Facility
    6214838Tops Plaza BranchRoute 5 And Route 46, Oneida, NY 13421November 05, 1988Full Service Brick and Mortar
    104693Cortland Branch65 Main Street, Cortland, NY 13045May 13, 1869Full Service Brick and Mortar
    11213379Cincinnatus Branch2743 Route 26, Cincinnatus, NY 13040January 02, 1943Full Service Brick and Mortar
    12213380Groton Avenue Branch1091 Groton Avenue Extension, Cortland, NY 13045December 16, 1963Full Service Brick and Mortar
    13213381Marathon Branch14-18 East Main Street, Marathon, NY 13803August 16, 1957Full Service Brick and Mortar
    15213383Tully BranchRoute 80 At Intersection-81, Tully, NY 13159January 26, 1989Full Service Brick and Mortar
    17213385Wal-Mart Cortlandville BranchWal-Mart Store #1781, 872 Route 13, Cortland, NY 13045March 10, 1997Full Service Brick and Mortar
    18357300Park Place BranchOne Park Place, 300 South State Street, Syracuse, NY 13202July 19, 1999Full Service Brick and Mortar
    19358051Lyndon Corners BranchLyndon Corners Branch, De Witt, NY 13214July 27, 2000Full Service Brick and Mortar
    20358057Radisson Branch8260 Willett Parkway, Baldwinsville, NY 13027August 28, 2000Full Service Brick and Mortar
    22428592Oneida Main Branch160 Main Street, Oneida, NY 13421May 04, 2004Full Service Brick and Mortar
    23429962James Street Branch1001 James Street, Syracuse, NY 13203January 13, 2004Full Service Brick and Mortar
    25443321Manlius Branch8270 Cazenovia Road Rte 92, Manlius, NY 13104September 03, 2004Full Service Brick and Mortar
    26446028East Syracuse Branch6563 Weighlock Drive, De Witt, NY 13214October 03, 2005Full Service Brick and Mortar
    28446035Camillus Branch5390 West Genesee Street, Camillus, NY 13031October 17, 2005Full Service Brick and Mortar
    30236315Pulaski Branch7577-79 Jefferson Street, Pulaski, NY 13142June 19, 1967Full Service Brick and Mortar
    31236316Fulton BranchRoute 3 West, Fulton, NY 13069September 24, 1973Full Service Brick and Mortar
    32236318North Syracuse Branch700 North Main Street, North Syracuse, NY 13212March 29, 1999Full Service Brick and Mortar
    33236948East Side Branch161 State Route 104, Oswego, NY 13126June 13, 1995Full Service Brick and Mortar
    34364912Liverpool Branch7799 Oswego Road, Liverpool, NY 13090May 13, 2002Full Service Brick and Mortar
    35422986Brewerton Branch9556 Main Street, Brewerton, NY 13029September 08, 2003Full Service Brick and Mortar
    36430107West Branch30 West Utica Street, Oswego, NY 13126June 04, 2004Full Service Brick and Mortar
    37467652Marshall Street Branch101 Marshall Street, Syracuse, NY 13210October 02, 2006Full Service Brick and Mortar

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