Gouverneur Savings and Loan Association in Gouverneur, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Gouverneur Savings and Loan Association in Gouverneur, New York (NY)
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Gouverneur Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30976
    Status: Active
    Federal Reserve ID: 905673
    Date Established: January 01, 1892
    WWW: http://www.gouverneurbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 6199
    FDIC's unique #: 43810
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: July 21, 1958
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 42 Church St, Gouverneur, NY 13642
    County: St. Lawrence
    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
    Core Based Statistical Area (CBSA): Ogdensburg-Massena, NY (#36300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $148.7 mil
    Equity capital: $24.8 mil
    Deposits held in domestic offices: $91.7 mil
    Return on assets (ROA): 1.26% ($1.9 mil)
    Quarterly return on assets: 1.35% ($2.0 mil)
    Return on Equity (ROE): 7.85% ($2.0 mil)
    Quarterly return on equity: 8.20% ($2.0 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.87% ($2,779.8 mil)
    Quarterly Pretax return on assets: 2.04% ($3,032.5 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
  • 34Total employees (full-time equivalent)
  • $148,652Total assets
  • $3,900Cash and due from depository institutions
  • $2,220Interest-bearing balances
  • $18,386Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $115,205Net loans & leases
  • $748Loan loss allowance
  • $0Trading account assets
  • $2,898Bank premises and fixed assets
  • $542Other real estate owned
  • $0Goodwill and other intangibles
  • $148,652Life insurance assets
  • $7,721All other assets
  • $123,871Total liabilities and capital
  • $91,745Total liabilities
  • $81,895Total deposits
  • $91,745Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 3000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,950Trading liabilities
  • $0Other borrowed funds
  • $3,176Subordinated debt
  • $24,781All other liabilities
  • $24,781Total equity capital
  • $24,781Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $2,787Surplus
  • $21,993Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,656Income earned, not collected on loans
  • $0Earning assets
  • $592Long-term assets (5+ years)
  • $135,811Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $148,592Volatile liabilities
  • $149,161Insider loans
  • $81,776FHLB advances
  • $147,326Loans and leases held for sale
  • $4,366Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,556Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,237Restructured Loans and leases
  • $600Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,107Total interest income
  • $1,570Total interest expense
  • $6,537Net interest income
  • $430Provision for loan and lease losses
  • $782Total noninterest income
  • $0Fiduciary activities
  • $582Service charges on deposit accounts
  • $0Trading account gains & fees
  • $200Additional noninterest income
  • $4,127Total noninterest expense
  • $2,381Salaries and employee benefits
  • $730Premises and equipment expense
  • $1,016Additional noninterest expense
  • $2,762Pre-tax net operating income
  • $23Securities gains (losses)
  • $912Applicable income taxes
  • $1,873Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,873Net income attributable to bank
  • $0Net charge-offs
  • $1,873Cash dividends
  • $559Sale, conversion, retirement of capital stock, net
  • $595Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.99%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.83%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 7.85%Return on equity (ROE)
  • 5.36%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 76.92%Credit loss provision to net charge-offs
  • 5.71%Efficiency ratio
  • 56,387Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.77%Loss allowance to loans
  • 0.65%Loss allowance to noncurrent loans
  • 45.17%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 125.57%Net loans and leases to core deposits
  • 128.71%Equity capital to assets
  • 16.67%Core capital (leverage) ratio
  • 16.67%Tier 1 risk-based capital ratio
  • 30.03%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $148,592Average earning assets
  • $23,852Average equity
  • $135,411Average loans

List of branches

  • 2 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043810Gouverneur Savings And Loan Associat42 Church St, Gouverneur, NY 13642January 01, 1892Full Service Brick and Mortar
    1464504Alexandria Bay Branch15 Nys Route 12, Alexandria Bay, NY 13607August 05, 2002Full Service Brick and Mortar

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