KeyBank National Association in Burlington, Vermont (VT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 1997

  • KeyBank National Association in Burlington, Vermont (VT)
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KeyBank National Association - Overview

  • General
  • FDIC Certificate #: 14127
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: KeyBank National Association (#1254)
    Federal Reserve ID: 28303
    Date Established: November 06, 1847
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 16 (Interstate: No)
    OTS Docket #: 6720
    FDIC's unique #: 8825
    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: March 31, 1934
    Last Structure Change Effective Date: June 30, 1997
    Last Structure Change Process Date: July 14, 1997
    Last Data Update: July 21, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 148 College Street, Burlington, VT 5401
    County: Chittenden
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Ma
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Burlington, VT (#1305)
    Core Based Statistical Area (CBSA): Burlington-South Burlington, VT (#15540)
    CBSA Metro Statistical Area: Burlington-South Burlington, VT (#15540)
  • Financial Summary
  • Total assets: $655.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $145Total assets
  • $667,503Cash and due from depository institutions
  • $20,380Interest-bearing balances
  • $0Securities
  • $34,986Federal funds sold & reverse repurchase agreements
  • $83Net loans & leases
  • $553,275Loan loss allowance
  • $12,505Trading account assets
  • $35Bank premises and fixed assets
  • $9,919Other real estate owned
  • $939Goodwill and other intangibles
  • $8,239Life insurance assets
  • $39,647All other assets
  • $0Total liabilities and capital
  • $667,503Total liabilities
  • $565,651Total deposits
  • $496,630Interest-bearing deposits
  • $436,750Deposits held in domestic offices
  • 496630.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $34,264Trading liabilities
  • $35Other borrowed funds
  • $31,262Subordinated debt
  • $0All other liabilities
  • $3,460Total equity capital
  • $3,460Total bank equity capital
  • $101,852Perpetual preferred stock
  • $0Common stock
  • $5Surplus
  • $89,803Undivided profits
  • Memoranda
  • $12,044Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,630Income earned, not collected on loans
  • $3,234Earning assets
  • $588,379Long-term assets (5+ years)
  • $160,997Average Assets, year-to-date
  • $663,680Average Assets, quarterly
  • $685,382Volatile liabilities
  • $95,238Insider loans
  • $3,212FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $161,551Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $62,599Total risk weighted assets
  • $504,219Total unused commitments
  • $0Restructured Loans and leases
  • $7,268Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $52,313Total interest expense
  • $23,793Net interest income
  • $28,520Provision for loan and lease losses
  • $600Total noninterest income
  • $3,598Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,077Trading account gains & fees
  • $10Additional noninterest income
  • $1,511Total noninterest expense
  • $20,122Salaries and employee benefits
  • $6,179Premises and equipment expense
  • $2,120Additional noninterest expense
  • $11,823Pre-tax net operating income
  • $11,396Securities gains (losses)
  • $0Applicable income taxes
  • $3,790Income before extraordinary items
  • $7,606Extraordinary gains - net
  • $0Net income attributable to bank
  • $7,606Net charge-offs
  • $825Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.93%Cost of funding earning assets
  • 4.06%Net interest margin
  • 4.87%Noninterest income to earning assets
  • 0.61%Noninterest expense to earning assets
  • 3.44%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 1.72%Return on equity (ROE)
  • 7.76%Retained earnings to average equity (YTD only)
  • 7.76%Net charge-offs to loans
  • 0.15%Credit loss provision to net charge-offs
  • 72.73%Efficiency ratio
  • 52,973Assets per employee
  • 4.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 344.49%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 111.41%Net loans and leases to core deposits
  • 119.69%Equity capital to assets
  • 15.26%Core capital (leverage) ratio
  • 10.01%Tier 1 risk-based capital ratio
  • 12.42%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $663,680Average earning assets
  • $98,063Average equity
  • $585,552Average loans

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