Keybank National Association in Albany, New York (NY)

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Keybank National Association
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)0
Total assets$11,365
Cash and due from depository institutions$15,486,227
Interest-bearing balances$818,660
Federal funds sold & reverse repurchase agreements$2,888,316
Net loans & leases$149,765
Loan loss allowance $10,517,300
Trading account assets$149,881
Bank premises and fixed assets$3,271
Other real estate owned$333,789
Goodwill and other intangibles$27,092
All other assets$25,308
Life insurance assets$722,726
Total liabilities and capital$0
Total liabilities$15,486,227
Total deposits$14,505,415
Interest-bearing deposits$11,071,003
Deposits held in domestic offices$8,967,774
% insured (estimated)11071003.00%
Federal funds purchased & repurchase agreements $76
Trading liabilities$1,627,659
Other borrowed funds $3,275
Subordinated debt $1,101,805
All other liabilities $165,000
Total equity capital$536,673
Total bank equity capital$536,673
Perpetual preferred stock$980,812
Common stock$28,300
Undivided profits $439,754
Noncurrent loans and leases $472,772
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $158,685
Earning assets $67,473
Long-term assets (5+ years) $13,555,381
Average Assets, year-to-date $3,890,934
Average Assets, quarterly $15,101,951
Volatile liabilities $15,336,367
Insider loans $3,781,079
FHLB advances $22,529
Loans and leases held for sale $0
Unused loan commitments $189,694
Tier 1 (core) risk-based capital $2,074,264
Tier 2 risk-based capital $0
Total risk weighted assets $923,380
Total unused commitments $11,516,814
Restructured Loans and leases $0
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Income and Expense (December 31, 1996)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $1,088,546
Net interest income $485,608
Provision for loan and lease losses $602,938
Total noninterest income $58,390
Fiduciary activities $604,727
Service charges on deposit accounts $0
Trading account gains & fees $65,848
Additional noninterest income $1,149
Total noninterest expense $537,730
Salaries and employee benefits $888,053
Premises and equipment expense $401,897
Additional noninterest expense $178,465
Pre-tax net operating income $307,691
Securities gains (losses) $261,222
Applicable income taxes -$682
Income before extraordinary items $80,842
Extraordinary gains - net $179,698
Net income attributable to bank $0
Net charge-offs $179,698
Cash dividends $51,500
Sale, conversion, retirement of capital stock, net $322,128
Net operating income $0
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Performance and Condition Ratios (December 31, 1996)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 8.09%
Net interest margin 3.61%
Noninterest income to earning assets 4.48%
Noninterest expense to earning assets 4.49%
Net operating income to assets 6.60%
Return on assets (ROA) 1.19%
Pretax return on assets 1.19%
Return on equity (ROE) 1.73%
Retained earnings to average equity (YTD only) 16.64%
Net charge-offs to loans -13.19%
Credit loss provision to net charge-offs 0.48%
Efficiency ratio113.38%
Assets per employee$73,015
Cash dividends to net income (YTD only)1.36%
Condition Ratios (%)
Loss allowance to loans 179.26%
Loss allowance to noncurrent loans 1.41%
Noncurrent assets plus other real estate owned to assets 94.45%
Noncurrent loans to loans 1.20%
Net loans and leases to deposits1.49%
Net loans and leases to core deposits 95.00%
Equity capital to assets 104.97%
Core capital (leverage) ratio 6.33%
Tier 1 risk-based capital ratio 6.12%
Total risk-based capital ratio 8.02%
Average assets$11
Average earning assets$15,101,951
Average equity $1,080,118
Average loans $13,459,595
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