First National Bank of Scotia in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Scotia in Scotia, New York (NY)
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First National Bank of Scotia routing number info

First National Bank of Scotia - Overview

General
FDIC Certificate #: 11501
Status: Active
Federal Reserve ID: 472616
Bank Holding Company (Regulatory Top Holder): Glenville Bank Holding Company, Inc. (RSSDID: 3471889, Location: Scotia, NY)
Date Established: January 01, 1923
WWW: http://www.firstscotia.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: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 7349
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: Consumer Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 201 Mohawk Avenue, Scotia, NY 12302
County: Schenectady
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): Albany-Schenectady-Troy, NY (#160)
Combined Statistical Area (CSA): Albany-Schenectady-Amsterdam, NY (#104)
Core Based Statistical Area (CBSA): Albany-Schenectady-Troy, NY (#10580)
CBSA Metro Statistical Area: Albany-Schenectady-Troy, NY (#10580)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $373.8 mil
Equity capital: $25.5 mil
Deposits held in domestic offices: $341.8 mil
Return on assets (ROA): 0.58% ($2.2 mil)
Quarterly return on assets: 0.67% ($2.5 mil)
Return on Equity (ROE): 8.23% ($2.1 mil)
Quarterly return on equity: 9.77% ($2.4 mil)
Net income: $2.1 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 0.85% ($3,177.2 mil)
Quarterly Pretax return on assets: 0.58% ($2,168.0 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
138Total employees (full-time equivalent)
$373,788Total assets
$15,106Cash and due from depository institutions
$6,064Interest-bearing balances
$44,218Securities
$0Federal funds sold & reverse repurchase agreements
$297,939Net loans & leases
$3,568Loan loss allowance
$0Trading account assets
$5,287Bank premises and fixed assets
$0Other real estate owned
$407Goodwill and other intangibles
$373,789Life insurance assets
$10,831All other assets
$348,311Total liabilities and capital
$341,762Total liabilities
$273,821Total deposits
$341,762Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$6,549Subordinated debt
$25,478All other liabilities
$25,478Total equity capital
$25,478Total bank equity capital
$0Perpetual preferred stock
$1,865Common stock
$4,866Surplus
$18,747Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$558Income earned, not collected on loans
$0Earning assets
$945Long-term assets (5+ years)
$348,221Average Assets, year-to-date
$125,105Average Assets, quarterly
$369,033Volatile liabilities
$380,437Insider loans
$296,125FHLB advances
$379,054Loans and leases held for sale
$428Unused loan commitments
$428Tier 1 (core) risk-based capital
$26,676Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$35,315Restructured Loans and leases
$5,367Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,676Total interest income
$1,080Total interest expense
$13,596Net interest income
$440Provision for loan and lease losses
$2,734Total noninterest income
$0Fiduciary activities
$515Service charges on deposit accounts
$0Trading account gains & fees
$2,219Additional noninterest income
$12,769Total noninterest expense
$7,798Salaries and employee benefits
$1,890Premises and equipment expense
$3,081Additional noninterest expense
$3,121Pre-tax net operating income
$3Securities gains (losses)
$981Applicable income taxes
$2,143Income before extraordinary items
$0Extraordinary gains - net
$2,143Net income attributable to bank
$0Net charge-offs
$2,143Cash dividends
$122Sale, conversion, retirement of capital stock, net
$1,203Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.26%Yield on earning assets
0.31%Cost of funding earning assets
3.95%Net interest margin
0.79%Noninterest income to earning assets
3.71%Noninterest expense to earning assets
0.58%Net operating income to assets
0.58%Return on assets (ROA)
0.85%Pretax return on assets
8.23%Return on equity (ROE)
3.61%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
360.66%Credit loss provision to net charge-offs
29.19%Efficiency ratio
78,194Assets per employee
2.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.14%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
639.43%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.19%Net loans and leases to deposits
87.18%Net loans and leases to core deposits
89.42%Equity capital to assets
6.82%Core capital (leverage) ratio
7.04%Tier 1 risk-based capital ratio
9.01%Total risk-based capital ratio
Memoranda
$10Average assets
$369,033Average earning assets
$26,038Average equity
$344,494Average loans

List of branches

10 New York Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7349	First National Bank Of Scotia	201 Mohawk Avenue, Scotia, NY 12302	January 01, 1923	Full Service Brick and Mortar
1	224698	Colonie Branch	1705 Central Avenue, Colonie, NY 12205	May 14, 1960	Full Service Brick and Mortar
2	224699	Niskayuna Branch	1476 Balltown Road, Niskayuna, NY 12309	October 01, 1956	Full Service Brick and Mortar
3	224700	Guilderland-Westmere Branch	8 Karner Road, Guilderland, NY 12084	December 20, 1965	Full Service Brick and Mortar
4	224701	Glenville Branch	240 Saratoga Road, Glenville, NY 12302	October 15, 1966	Full Service Brick and Mortar
5	224702	Schenectady Branch	120 Erie Boulevard, Schenectady, NY 12305	May 01, 1973	Full Service Brick and Mortar
6	224703	Saratoga Branch	3013 Route 50, Saratoga Springs, NY 12866	October 11, 1973	Full Service Brick and Mortar
7	224704	Ge Global Research Center	1 Research Circle, Commons 2a7, Schenectady, NY 12309	April 15, 1987	Full Service Brick and Mortar
9	224706	Rotterdam Branch	2695 Hamburg Street, Schenectady, NY 12303	August 25, 1997	Full Service Brick and Mortar
10	224707	Clifton Park Office	1643 Rt 9, Clifton Park, NY 12065	December 27, 1999	Full Service Brick and Mortar

First National Bank of Scotia in Scotia, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Scotia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank of Scotia in Scotia, New York (NY)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Scotia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank of Scotia in Scotia, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches