National Savings Bank of Albany in Albany, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 26, 1993

  • National Savings Bank of Albany in Albany, New York (NY)
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National Savings Bank of Albany - Overview

  • General
  • FDIC Certificate #: 16054
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Keybank National Association (#6937)
    Federal Reserve ID: 457501
    Date Established: May 06, 1868
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 7967
    FDIC's unique #: 10281
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 01, 1943
    Last Structure Change Effective Date: Febuary 26, 1993
    Last Structure Change Process Date: March 16, 1993
    Last Data Update: March 16, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 90 State Street, Albany, NY 12207
    County: Albany
    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): Albany-Schenectady-Troy, NY (#10580)
    CBSA Metro Statistical Area: Albany-Schenectady-Troy, NY (#10580)
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
  • Financial Summary
  • Total assets: $700.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $206Total assets
  • $700,528Cash and due from depository institutions
  • $13,234Interest-bearing balances
  • $0Securities
  • $28,461Federal funds sold & reverse repurchase agreements
  • $17,799Net loans & leases
  • $625,025Loan loss allowance
  • $6,434Trading account assets
  • $0Bank premises and fixed assets
  • $6,505Other real estate owned
  • $2,321Goodwill and other intangibles
  • $7,183Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $700,528Total liabilities
  • $658,620Total deposits
  • $581,981Interest-bearing deposits
  • $570,762Deposits held in domestic offices
  • 581981.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $70,511Subordinated debt
  • $0All other liabilities
  • $6,128Total equity capital
  • $6,128Total bank equity capital
  • $41,908Perpetual preferred stock
  • $0Common stock
  • $1,980Surplus
  • $15,604Undivided profits
  • Memoranda
  • $24,324Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,809Income earned, not collected on loans
  • $3,165Earning assets
  • $671,285Long-term assets (5+ years)
  • $200,765Average Assets, year-to-date
  • $645,437Average Assets, quarterly
  • $678,060Volatile liabilities
  • $90,020Insider loans
  • $2,843FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $60,392Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $41,908Total risk weighted assets
  • $478,925Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $54,319Total interest expense
  • $29,319Net interest income
  • $25,000Provision for loan and lease losses
  • $4,219Total noninterest income
  • $2,434Fiduciary activities
  • $0Service charges on deposit accounts
  • $476Trading account gains & fees
  • $0Additional noninterest income
  • $1,958Total noninterest expense
  • $20,083Salaries and employee benefits
  • $7,398Premises and equipment expense
  • $2,050Additional noninterest expense
  • $10,635Pre-tax net operating income
  • $3,132Securities gains (losses)
  • $75Applicable income taxes
  • $2,440Income before extraordinary items
  • $767Extraordinary gains - net
  • $0Net income attributable to bank
  • $767Net charge-offs
  • $485Cash dividends
  • $1,746Sale, conversion, retirement of capital stock, net
  • $467Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.68%Cost of funding earning assets
  • 4.69%Net interest margin
  • 4.00%Noninterest income to earning assets
  • 0.39%Noninterest expense to earning assets
  • 3.21%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 0.50%Return on equity (ROE)
  • 1.76%Retained earnings to average equity (YTD only)
  • -2.25%Net charge-offs to loans
  • 0.09%Credit loss provision to net charge-offs
  • 869.90%Efficiency ratio
  • 73,205Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 227.64%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 229.05%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 107.40%Net loans and leases to core deposits
  • 111.14%Equity capital to assets
  • 5.98%Core capital (leverage) ratio
  • 6.29%Tier 1 risk-based capital ratio
  • 8.75%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $645,437Average earning assets
  • $43,555Average equity
  • $625,472Average loans

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