Maple City Savings Bank, FSB in Hornell, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Maple City Savings Bank, FSB in Hornell, New York (NY)
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Maple City Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28585
    Status: Active
    Federal Reserve ID: 548472
    Date Established: January 01, 1905
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 1899
    FDIC's unique #: 41419
    Numeric code: 33
    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: January 05, 1953
    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: 145 Main Street, Hornell, NY 14843
    County: Steuben
    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): Corning, NY (#18500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $47.6 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $40.8 mil
    Return on assets (ROA): 0.20% ($0.1 mil)
    Quarterly return on assets: 0.54% ($0.3 mil)
    Return on Equity (ROE): 1.55% ($0.1 mil)
    Quarterly return on equity: 4.09% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.24% ($114.3 mil)
    Quarterly Pretax return on assets: 0.67% ($319.2 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
  • 17Total employees (full-time equivalent)
  • $47,636Total assets
  • $4,768Cash and due from depository institutions
  • $3,016Interest-bearing balances
  • $144Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,111Net loans & leases
  • $122Loan loss allowance
  • $0Trading account assets
  • $1,262Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $47,636Life insurance assets
  • $351All other assets
  • $41,352Total liabilities and capital
  • $40,847Total liabilities
  • $38,276Total deposits
  • $40,847Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $505Subordinated debt
  • $6,284All other liabilities
  • $6,284Total equity capital
  • $6,284Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $0Surplus
  • $5,784Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $392Income earned, not collected on loans
  • $0Earning assets
  • $81Long-term assets (5+ years)
  • $44,271Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $47,674Volatile liabilities
  • $47,371Insider loans
  • $29,358FHLB advances
  • $47,540Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,188Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,503Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,471Total interest income
  • $341Total interest expense
  • $2,130Net interest income
  • $120Provision for loan and lease losses
  • $263Total noninterest income
  • $0Fiduciary activities
  • $92Service charges on deposit accounts
  • $0Trading account gains & fees
  • $171Additional noninterest income
  • $2,159Total noninterest expense
  • $1,310Salaries and employee benefits
  • $242Premises and equipment expense
  • $607Additional noninterest expense
  • $114Pre-tax net operating income
  • $0Securities gains (losses)
  • $17Applicable income taxes
  • $97Income before extraordinary items
  • $0Extraordinary gains - net
  • $97Net income attributable to bank
  • $0Net charge-offs
  • $97Cash dividends
  • $150Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.61%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.83%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 4.90%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.24%Pretax return on assets
  • 1.55%Return on equity (ROE)
  • 1.55%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 80.00%Credit loss provision to net charge-offs
  • 1.56%Efficiency ratio
  • 90,221Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.30%Loss allowance to noncurrent loans
  • 31.12%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 100.65%Net loans and leases to core deposits
  • 100.65%Equity capital to assets
  • 13.19%Core capital (leverage) ratio
  • 13.02%Tier 1 risk-based capital ratio
  • 21.08%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $47,674Average earning assets
  • $6,262Average equity
  • $44,085Average loans

List of branches

  • 1 New York Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041419Maple City Savings Bank, Fsb145 Main Street, Hornell, NY 14843January 01, 1905Full Service Brick and Mortar

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