Key Bank USA National Association in Albany, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 05, 1995

  • Key Bank USA National Association in Albany, New York (NY)
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Key Bank USA National Association - Overview

  • General
  • FDIC Certificate #: 27014
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Keybank National Association (#6937)
    Federal Reserve ID: 310101
    Date Established: July 15, 1987
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 36456
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: July 15, 1987
    Last Structure Change Effective Date: September 05, 1995
    Last Structure Change Process Date: November 01, 1995
    Last Data Update: November 01, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 54 State Street, Albany, NY 12207
    County: Albany
    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
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $807.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $384Total assets
  • $788,313Cash and due from depository institutions
  • $4,692Interest-bearing balances
  • $818Securities
  • $109,247Federal funds sold & reverse repurchase agreements
  • $8,100Net loans & leases
  • $659,461Loan loss allowance
  • $7,916Trading account assets
  • $0Bank premises and fixed assets
  • $970Other real estate owned
  • $711Goodwill and other intangibles
  • $5,128Life insurance assets
  • $4All other assets
  • $0Total liabilities and capital
  • $788,313Total liabilities
  • $732,029Total deposits
  • $644,647Interest-bearing deposits
  • $629,392Deposits held in domestic offices
  • 644647.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $87,382Total equity capital
  • $87,382Total bank equity capital
  • $56,284Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $25,504Undivided profits
  • Memoranda
  • $29,780Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,540Income earned, not collected on loans
  • $1,823Earning assets
  • $777,626Long-term assets (5+ years)
  • $275,736Average Assets, year-to-date
  • $708,359Average Assets, quarterly
  • $767,996Volatile liabilities
  • $144,374Insider loans
  • $1,362FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $18,529Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $56,523Total risk weighted assets
  • $602,109Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $50,145Total interest expense
  • $26,917Net interest income
  • $23,228Provision for loan and lease losses
  • $1,803Total noninterest income
  • $23,942Fiduciary activities
  • $0Service charges on deposit accounts
  • $36Trading account gains & fees
  • $0Additional noninterest income
  • $23,906Total noninterest expense
  • $34,027Salaries and employee benefits
  • $13,796Premises and equipment expense
  • $1,453Additional noninterest expense
  • $18,778Pre-tax net operating income
  • $11,340Securities gains (losses)
  • $0Applicable income taxes
  • $3,793Income before extraordinary items
  • $7,547Extraordinary gains - net
  • $0Net income attributable to bank
  • $7,547Net charge-offs
  • $810Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.17%Cost of funding earning assets
  • 3.85%Net interest margin
  • 3.32%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 4.87%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 1.60%Return on equity (ROE)
  • 14.85%Retained earnings to average equity (YTD only)
  • 14.85%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 222.59%Efficiency ratio
  • 72,128Assets per employee
  • 2.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 514.03%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 102.30%Net loans and leases to core deposits
  • 131.82%Equity capital to assets
  • 7.14%Core capital (leverage) ratio
  • 7.46%Tier 1 risk-based capital ratio
  • 9.39%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $708,359Average earning assets
  • $50,835Average equity
  • $698,952Average loans

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