Five Star Bank in Warsaw, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Five Star Bank - Overview

  • General
  • FDIC Certificate #: 659
    Status: Active
    Federal Reserve ID: 601416
    Bank Holding Company (Regulatory Top Holder): Financial Institutions, Inc. (RSSDID: 1032464, Location: Warsaw, NY)
    Date Established: December 26, 1881
    WWW: http://www.five-starbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 50 (Domestic: 50, Interstate: No)
    OTS Docket #: 14115
    FDIC's unique #: 431
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization > 1 Billion
    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: 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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $2,329.4 mil
    Equity capital: $223.0 mil
    Deposits held in domestic offices: $1,941.7 mil
    Return on assets (ROA): 1.08% ($25.2 mil)
    Quarterly return on assets: 1.00% ($23.3 mil)
    Return on Equity (ROE): 11.55% ($25.8 mil)
    Quarterly return on equity: 10.45% ($23.3 mil)
    Net income: $24.7 mil
    Quarterly Net income: $5.8 mil
    Pretax return on assets: 1.64% ($38,201.4 mil)
    Quarterly Pretax return on assets: 1.50% ($34,940.3 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
  • 563Total employees (full-time equivalent)
  • $2,329,353Total assets
  • $54,999Cash and due from depository institutions
  • $7,490Interest-bearing balances
  • $650,815Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,463,926Net loans & leases
  • $23,260Loan loss allowance
  • $0Trading account assets
  • $31,024Bank premises and fixed assets
  • $475Other real estate owned
  • $39,341Goodwill and other intangibles
  • $2,329,353Life insurance assets
  • $88,773All other assets
  • $2,106,401Total liabilities and capital
  • $1,941,739Total liabilities
  • $1,538,179Total deposits
  • $1,941,739Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 47898.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $102,800Trading liabilities
  • $0Other borrowed funds
  • $13,964Subordinated debt
  • $222,952All other liabilities
  • $222,952Total equity capital
  • $222,952Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $129,274Surplus
  • $93,278Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,410Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,076Income earned, not collected on loans
  • $1,027Earning assets
  • $7,652Long-term assets (5+ years)
  • $2,122,231Average Assets, year-to-date
  • $1,014,706Average Assets, quarterly
  • $2,290,743Volatile liabilities
  • $2,340,737Insider loans
  • $1,611,126FHLB advances
  • $2,279,806Loans and leases held for sale
  • $44,534Unused loan commitments
  • $44,534Tier 1 (core) risk-based capital
  • $184,639Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $374,266Restructured Loans and leases
  • $398Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $95,520Total interest income
  • $12,146Total interest expense
  • $83,374Net interest income
  • $7,780Provision for loan and lease losses
  • $18,886Total noninterest income
  • $0Fiduciary activities
  • $7,397Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11,489Additional noninterest income
  • $59,901Total noninterest expense
  • $33,246Salaries and employee benefits
  • $10,440Premises and equipment expense
  • $16,215Additional noninterest expense
  • $34,579Pre-tax net operating income
  • $2,985Securities gains (losses)
  • $12,853Applicable income taxes
  • $24,711Income before extraordinary items
  • $0Extraordinary gains - net
  • $24,711Net income attributable to bank
  • $0Net charge-offs
  • $24,711Cash dividends
  • $4,986Sale, conversion, retirement of capital stock, net
  • $9,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 11.55%Return on equity (ROE)
  • 7.25%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 156.04%Credit loss provision to net charge-offs
  • 8.50%Efficiency ratio
  • 58,577Assets per employee
  • 4.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.23%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 328.72%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 75.39%Net loans and leases to core deposits
  • 79.87%Equity capital to assets
  • 9.57%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 11.46%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $2,290,743Average earning assets
  • $213,971Average equity
  • $2,097,645Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $216,534Managed Assets
  • 1Number of Accounts
  • $55,086Personal trust and agency accounts
  • $28,172Employee benefit-defined contribution accounts
  • $47Employee benefit-defined benefit accounts
  • $524Other retirement accounts
  • $1,338Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $25,005Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 171Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $161,448Other retirement accounts
  • $4,661Corporate trust and agency accounts
  • $144,888Other fiduciary accounts
  • $330Fiduciary accounts held in foreign offices

List of branches

  • 50 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0431Five Star Bank55 North Main Street, Warsaw, NY 14569December 26, 1881Full Service Brick and Mortar
    1183955Ellicottville Branch54 Washington Street, Ellicottville, NY 14731October 12, 1977Full Service Brick and Mortar
    2214817Allegany Branch60 West Main Street, Allegany, NY 14706January 02, 1963Full Service Brick and Mortar
    3183956Olean Branch129 North Union Street, Olean, NY 14760June 03, 1996Full Service Brick and Mortar
    4183957Cuba Branch27 Water Street, Cuba, NY 14727April 10, 1997Full Service Brick and Mortar
    5429677Lakewood Branch284 East Fairmount Ave, Lakewood, NY 14750September 29, 2003Full Service Brick and Mortar
    64667Bath Branch44 Liberty Street, Bath, NY 14810July 31, 1912Full Service Brick and Mortar
    7213200West Bath Branch323 Washington Street, Bath, NY 14810November 01, 1978Full Service Brick and Mortar
    8213201Hammondsport Branch22 Sheather Street, Hammondsport, NY 14840October 13, 1981Full Service Brick and Mortar
    98186Dundee Branch32 Main Street, Dundee, NY 14837January 01, 1882Full Service Brick and Mortar
    104809Wayland Branch1 West Naples Street, Wayland, NY 14572January 01, 1800Full Service Brick and Mortar
    11213202Hornell Branch498 Arkport Road, Hornell, NY 14843May 07, 1990Full Service Brick and Mortar
    12213203Naples Branch184 South Main Street, Naples, NY 14512November 28, 1994Full Service Brick and Mortar
    13213207Erwin Branch404 South Hamilton Street, Painted Post, NY 14870December 15, 1997Full Service Brick and Mortar
    14397Bank Of Avoca Branch19 South Main Street, Avoca, NY 14809September 23, 1901Full Service Brick and Mortar
    1541560Elmira Branch351 North Main Street, Elmira, NY 14901January 01, 1875Full Service Brick and Mortar
    16277495Elmira Heights Branch2081 Lake Road, Elmira Heights, NY 14903January 01, 1884Full Service Brick and Mortar
    17419478Horseheads Branch1019 Center Street, Horseheads, NY 14845November 11, 2002Full Service Brick and Mortar
    188407Salamanca Branch107 Main Street, Salamanca, NY 14779January 01, 1851Full Service Brick and Mortar
    19229437North Java Branch4222 Route 98, North Java, NY 14113January 02, 1937Full Service Brick and Mortar
    20229438Wyoming BranchSouth Academy Street, Wyoming, NY 14591January 02, 1937Full Service Brick and Mortar
    21229439North Warsaw Branch2330 North Main Street, Warsaw, NY 14569August 19, 1974Full Service Brick and Mortar
    22229440Strykersville Branch4000 Rt 78, Strykersville, NY 14145January 24, 1975Full Service Brick and Mortar
    23229441Mount Morris BranchRoute 408, Mount Morris, NY 14510Febuary 13, 1976Full Service Brick and Mortar
    246296Attica Branch26 Main Street, Attica, NY 14011January 26, 1911Full Service Brick and Mortar
    25229442Lakeville Branch3237 Rochester Road, Lakeville, NY 14480May 18, 1987Full Service Brick and Mortar
    26229443Yorkshire Branch12209 Route 16, Yorkshire, NY 14173April 20, 1992Full Service Brick and Mortar
    27229444Geneseo Branch4288 Lakeville Road, Geneseo, NY 14454January 19, 1993Full Service Brick and Mortar
    28229446Dansville Branch152 Franklin Street, Dansville, NY 14437November 01, 1996Full Service Brick and Mortar
    31364253East Aurora Branch211 Main Street, East Aurora, NY 14052January 09, 2002Full Service Brick and Mortar
    32219154Pavilion Branch6948 Cato Street, Pavilion, NY 14525September 16, 1971Full Service Brick and Mortar
    33219156Batavia BranchTops Friendly Market, 390 West Main Street, Batavia, NY 14020July 22, 1994Full Service Retail
    34219157Batavia East Branch567 East Main Street, Store #1 Eastown Plaza, Batavia, NY 14020Febuary 03, 1997Full Service Brick and Mortar
    35425133Orchard Park Branch3233 Southwestern Boulevard, Orchard Park, NY 14127January 20, 2004Full Service Brick and Mortar
    36439650Amherst Branch5491 Sheridan Drive, Amherst, NY 14221Febuary 22, 2005Full Service Brick and Mortar
    374712Geneva Branch2 Seneca Street, Geneva, NY 14456March 28, 1817Full Service Brick and Mortar
    38213700Geneva Plaza Branch303-381 Hamilton Street, Geneva, NY 14456Febuary 28, 1957Full Service Brick and Mortar
    39213701Geneva Motor BranchCorner East Washington Street/Rts. 5 And 20 West, Geneva, NY 14456Febuary 09, 1972Limited Service Facility
    40213703Canandaigua Branch2425 Rochester Road, Canandaigua, NY 14424March 16, 1987Full Service Brick and Mortar
    41213705Penn Yan Branch129 Elm Street, Penn Yan, NY 14527Febuary 20, 1990Full Service Brick and Mortar
    42213706Seneca Falls Branch1940 Routes 5 & 20, Waterloo, NY 13165September 21, 1998Full Service Brick and Mortar
    43359484Ovid Branch2168 Route 96 A, Ovid, NY 14521January 08, 2001Full Service Brick and Mortar
    44363661Victor Branch3 West Main Street, Victor, NY 14564April 22, 2002Full Service Brick and Mortar
    455696Leroy Branch124 West Main Street, Le Roy, NY 14482November 28, 1928Full Service Brick and Mortar
    46219155Caledonia Branch3110 Main Street, Caledonia, NY 14423August 25, 1986Full Service Brick and Mortar
    47356704North Chili Branch4390 Buffalo Road, North Chili, NY 14514June 07, 2000Full Service Brick and Mortar
    48357179Honeoye Falls Branch166 West Main Street, Honeoye Falls, NY 14472September 27, 1999Full Service Brick and Mortar
    49418984Auburn Branch345 West Genesee Street, Auburn, NY 13021April 21, 2003Full Service Brick and Mortar
    50489805Greece Branch2833 Ridge Road W. Ste 29, Greece, NY 14626November 10, 2008Full Service Brick and Mortar
    51489806Henrietta Branch765 Calkins Road, Rochester, NY 14623September 22, 2008Full Service Brick and Mortar

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