Medina Savings and Loan Association in Medina, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Medina Savings and Loan Association in Medina, New York (NY)
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Medina Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30547
    Status: Active
    Federal Reserve ID: 306270
    Date Established: January 01, 1851
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 5529
    FDIC's unique #: 43381
    Numeric code: 36
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: April 10, 1952
    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: 11182 Maple Ridge Road, Medina, NY 14103
    County: Orleans
    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): Rochester, NY (#6840)
    Combined Statistical Area (CSA): Rochester-Batavia-Seneca Falls, NY (#464)
    Core Based Statistical Area (CBSA): Rochester, NY (#40380)
    CBSA Metro Statistical Area: Rochester, NY (#40380)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $40.8 mil
    Equity capital: $3.7 mil
    Deposits held in domestic offices: $35.0 mil
    Return on assets (ROA): 0.10% ($0.0 mil)
    Quarterly return on assets: 0.39% ($0.2 mil)
    Return on Equity (ROE): 1.14% ($0.0 mil)
    Quarterly return on equity: 4.40% ($0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.15% ($61.2 mil)
    Quarterly Pretax return on assets: 0.61% ($248.8 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
  • 13Total employees (full-time equivalent)
  • $40,794Total assets
  • $15,393Cash and due from depository institutions
  • $13,591Interest-bearing balances
  • $129Securities
  • $525Federal funds sold & reverse repurchase agreements
  • $22,812Net loans & leases
  • $353Loan loss allowance
  • $0Trading account assets
  • $912Bank premises and fixed assets
  • $126Other real estate owned
  • $0Goodwill and other intangibles
  • $40,794Life insurance assets
  • $897All other assets
  • $37,137Total liabilities and capital
  • $34,951Total liabilities
  • $28,616Total deposits
  • $34,951Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,186Subordinated debt
  • $3,657All other liabilities
  • $3,657Total equity capital
  • $3,657Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $3,657Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $366Income earned, not collected on loans
  • $0Earning assets
  • $99Long-term assets (5+ years)
  • $37,057Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $38,518Volatile liabilities
  • $40,998Insider loans
  • $18,637FHLB advances
  • $40,794Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,140Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,204Restructured Loans and leases
  • $612Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,541Total interest income
  • $289Total interest expense
  • $1,252Net interest income
  • $9Provision for loan and lease losses
  • $497Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $497Additional noninterest income
  • $1,930Total noninterest expense
  • $958Salaries and employee benefits
  • $428Premises and equipment expense
  • $544Additional noninterest expense
  • -$190Pre-tax net operating income
  • $249Securities gains (losses)
  • $19Applicable income taxes
  • $40Income before extraordinary items
  • $0Extraordinary gains - net
  • $40Net income attributable to bank
  • $0Net charge-offs
  • $40Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.58%Net interest margin
  • 1.42%Noninterest income to earning assets
  • 5.52%Noninterest expense to earning assets
  • -0.34%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • 0.15%Pretax return on assets
  • 1.14%Return on equity (ROE)
  • 1.14%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 23.08%Credit loss provision to net charge-offs
  • -4.64%Efficiency ratio
  • 110,349Assets per employee
  • 3.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 96.45%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 65.27%Net loans and leases to core deposits
  • 65.80%Equity capital to assets
  • 8.96%Core capital (leverage) ratio
  • 10.81%Tier 1 risk-based capital ratio
  • 22.21%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $38,518Average earning assets
  • $3,497Average equity
  • $34,976Average loans

List of branches

  • 2 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043381Medina Savings And Loan Association11182 Maple Ridge Road, Medina, NY 14103January 01, 1851Full Service Brick and Mortar
    2495108Albion OfficeRoute 31, Albion, NY 14411June 14, 2006Limited Service Retail

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