Mohawk Community Bank in Amsterdam, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 08, 2002

  • Mohawk Community Bank in Amsterdam, New York (NY)
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Mohawk Community Bank - Overview

  • General
  • FDIC Certificate #: 15954
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Hudson River Bank & Trust Company (#15968)
    Federal Reserve ID: 474209
    Date Established: Febuary 07, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7934
    FDIC's unique #: 10185
    Numeric code: 43
    Regulator: OTS
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: July 01, 1943
    Last Structure Change Effective Date: March 08, 2002
    Last Structure Change Process Date: April 11, 2002
    Last Data Update: April 11, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 11 Division Street, Amsterdam, NY 12010
    County: Montgomery
    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): Albany-Schenectady-Troy, NY (#160)
    Combined Statistical Area (CSA): Albany-Schenectady-Amsterdam, NY (#104)
    Core Based Statistical Area (CBSA): Amsterdam, NY (#11220)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $662.3 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, 2001)

  • Dollar figures in thousands
  • 189Total employees (full-time equivalent)
  • $662,309Total assets
  • $79,334Cash and due from depository institutions
  • $59,849Interest-bearing balances
  • $74,401Securities
  • $15,000Federal funds sold & reverse repurchase agreements
  • $466,054Net loans & leases
  • $5,818Loan loss allowance
  • $0Trading account assets
  • $5,274Bank premises and fixed assets
  • $145Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $22,101All other assets
  • $662,311Total liabilities and capital
  • $602,911Total liabilities
  • $490,863Total deposits
  • $437,982Interest-bearing deposits
  • $490,863Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $109,264Other borrowed funds
  • $0Subordinated debt
  • $2,784All other liabilities
  • $59,400Total equity capital
  • $59,400Total bank equity capital
  • $59,400Perpetual preferred stock
  • $0Common stock
  • $54Surplus
  • $44,095Undivided profits
  • Memoranda
  • $15,251Noncurrent loans and leases
  • $29,172Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,300Earning assets
  • $0Long-term assets (5+ years)
  • $2,570Average Assets, year-to-date
  • $615,304Average Assets, quarterly
  • $0Volatile liabilities
  • $686,630Insider loans
  • $663,187FHLB advances
  • $172,400Loans and leases held for sale
  • $1,290Unused loan commitments
  • $107,529Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $29,172Total unused commitments
  • $787Restructured Loans and leases
  • $4,708Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $45,137Total interest income
  • $26,398Total interest expense
  • $18,739Net interest income
  • $555Provision for loan and lease losses
  • $4,899Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,899Additional noninterest income
  • $15,987Total noninterest expense
  • $8,250Salaries and employee benefits
  • $2,740Premises and equipment expense
  • $4,997Additional noninterest expense
  • $7,096Pre-tax net operating income
  • $185Securities gains (losses)
  • $2,593Applicable income taxes
  • $4,688Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,688Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $482Sale, conversion, retirement of capital stock, net
  • $10,005Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.04%Yield on earning assets
  • 4.12%Cost of funding earning assets
  • 2.92%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 2.50%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 7.61%Return on equity (ROE)
  • -8.64%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 115.15%Credit loss provision to net charge-offs
  • 15.87%Efficiency ratio
  • 67,633Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 213.42%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 176.30%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 94.95%Net loans and leases to core deposits
  • 108.96%Equity capital to assets
  • 8.97%Core capital (leverage) ratio
  • 8.98%Tier 1 risk-based capital ratio
  • 15.85%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $686,630Average earning assets
  • $61,572Average equity
  • $640,724Average loans

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