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

This bank is inactive as of June 30, 1997

  • Keybank National Association in Albany, New York (NY)
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Keybank National Association - Overview

  • General
  • FDIC Certificate #: 6937
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: KeyBank National Association (#1254)
    Federal Reserve ID: 440503
    Date Established: April 01, 1825
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 297 (Interstate: No)
    FDIC's unique #: 4659
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 1997
    Last Structure Change Process Date: July 15, 1997
    Last Data Update: July 21, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 66 South Pearl Street, Albany, NY 12207
    County: Albany
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Chicago
    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)
  • Financial Summary
  • Total assets: $15,555.1 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)
  • $11,365Total assets
  • $15,486,227Cash and due from depository institutions
  • $818,660Interest-bearing balances
  • $0Securities
  • $2,888,316Federal funds sold & reverse repurchase agreements
  • $149,765Net loans & leases
  • $10,517,300Loan loss allowance
  • $149,881Trading account assets
  • $3,271Bank premises and fixed assets
  • $333,789Other real estate owned
  • $27,092Goodwill and other intangibles
  • $722,726Life insurance assets
  • $25,308All other assets
  • $0Total liabilities and capital
  • $15,486,227Total liabilities
  • $14,505,415Total deposits
  • $11,071,003Interest-bearing deposits
  • $8,967,774Deposits held in domestic offices
  • 11071003.00%% insured (estimated)
  • $76Federal funds purchased & repurchase agreements
  • $1,627,659Trading liabilities
  • $3,275Other borrowed funds
  • $1,101,805Subordinated debt
  • $165,000All other liabilities
  • $536,673Total equity capital
  • $536,673Total bank equity capital
  • $980,812Perpetual preferred stock
  • $28,300Common stock
  • $39,986Surplus
  • $439,754Undivided profits
  • Memoranda
  • $472,772Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $158,685Income earned, not collected on loans
  • $67,473Earning assets
  • $13,555,381Long-term assets (5+ years)
  • $3,890,934Average Assets, year-to-date
  • $15,101,951Average Assets, quarterly
  • $15,336,367Volatile liabilities
  • $3,781,079Insider loans
  • $22,529FHLB advances
  • $0Loans and leases held for sale
  • $189,694Unused loan commitments
  • $2,074,264Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $923,380Total risk weighted assets
  • $11,516,814Total unused commitments
  • $0Restructured Loans and leases
  • $3,008,505Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,088,546Total interest expense
  • $485,608Net interest income
  • $602,938Provision for loan and lease losses
  • $58,390Total noninterest income
  • $604,727Fiduciary activities
  • $0Service charges on deposit accounts
  • $65,848Trading account gains & fees
  • $1,149Additional noninterest income
  • $537,730Total noninterest expense
  • $888,053Salaries and employee benefits
  • $401,897Premises and equipment expense
  • $178,465Additional noninterest expense
  • $307,691Pre-tax net operating income
  • $261,222Securities gains (losses)
  • -$682Applicable income taxes
  • $80,842Income before extraordinary items
  • $179,698Extraordinary gains - net
  • $0Net income attributable to bank
  • $179,698Net charge-offs
  • $51,500Cash dividends
  • $322,128Sale, 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
  • 8.09%Cost of funding earning assets
  • 3.61%Net interest margin
  • 4.48%Noninterest income to earning assets
  • 4.49%Noninterest expense to earning assets
  • 6.60%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 1.73%Return on equity (ROE)
  • 16.64%Retained earnings to average equity (YTD only)
  • -13.19%Net charge-offs to loans
  • 0.48%Credit loss provision to net charge-offs
  • 113.38%Efficiency ratio
  • 73,015Assets per employee
  • 1.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 179.26%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 94.45%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 95.00%Net loans and leases to core deposits
  • 104.97%Equity capital to assets
  • 6.33%Core capital (leverage) ratio
  • 6.12%Tier 1 risk-based capital ratio
  • 8.02%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $15,101,951Average earning assets
  • $1,080,118Average equity
  • $13,459,595Average loans

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