FDIC Certificate #: 15978 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Alliance Bank, National Association (#7237) Federal Reserve ID: 730213 Date Established: January 01, 1870 WWW:http://www.ocnb.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 8 (Interstate: No) FDIC's unique #: 10209 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: July 01, 1943 Last Structure Change Effective Date: October 06, 2006 Last Structure Change Process Date: October 25, 2006 Last Data Update: October 25, 2006 Data Source Date: April 05, 2012
Location
Address: 300 State Route 104, Oswego, NY 13126 County: Oswego 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): Syracuse, NY (#8160) Combined Statistical Area (CSA): Syracuse-Auburn, NY (#532) Core Based Statistical Area (CBSA): Syracuse, NY (#45060) CBSA Metro Statistical Area: Syracuse, NY (#45060)
Financial Summary
Total assets: $218.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
89Total employees (full-time equivalent)
$224,312Total assets
$12,000Cash and due from depository institutions
$2,431Interest-bearing balances
$43,291Securities
$0Federal funds sold & reverse repurchase agreements
$148,120Net loans & leases
$1,377Loan loss allowance
$0Trading account assets
$5,687Bank premises and fixed assets
$0Other real estate owned
$1,273Goodwill and other intangibles
$0Life insurance assets
$13,941All other assets
$224,312Total liabilities and capital
$206,215Total liabilities
$181,600Total deposits
$146,894Interest-bearing deposits
$181,600Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$21,627Other borrowed funds
$0Subordinated debt
$2,988All other liabilities
$18,097Total equity capital
$18,097Total bank equity capital
$18,097Perpetual preferred stock
$0Common stock
$0Surplus
$12,259Undivided profits
Memoranda
$5,838Noncurrent loans and leases
$20,670Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,030Earning assets
$171Long-term assets (5+ years)
$912Average Assets, year-to-date
$193,842Average Assets, quarterly
$52,592Volatile liabilities
$220,771Insider loans
$225,640FHLB advances
$24,303Loans and leases held for sale
$402Unused loan commitments
$21,627Tier 1 (core) risk-based capital
$603Tier 2 risk-based capital
$269Total risk weighted assets
$20,670Total unused commitments
$0Restructured Loans and leases
$1,377Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$10,925Total interest income
$3,589Total interest expense
$7,336Net interest income
$497Provision for loan and lease losses
$2,937Total noninterest income
$0Fiduciary activities
$1,828Service charges on deposit accounts
$0Trading account gains & fees
$1,109Additional noninterest income
$8,339Total noninterest expense
$4,358Salaries and employee benefits
$1,199Premises and equipment expense
$2,782Additional noninterest expense
$1,437Pre-tax net operating income
$70Securities gains (losses)
$90Applicable income taxes
$1,417Income before extraordinary items
$0Extraordinary gains - net
$1,417Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$472Sale, conversion, retirement of capital stock, net
$8,181Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.68%Yield on earning assets
1.87%Cost of funding earning assets
3.82%Net interest margin
1.53%Noninterest income to earning assets
4.34%Noninterest expense to earning assets
0.61%Net operating income to assets
0.64%Return on assets (ROA)
0.68%Pretax return on assets
6.79%Return on equity (ROE)
-32.43%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
105.30%Credit loss provision to net charge-offs
4.10%Efficiency ratio
81,174Assets per employee
2.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
577.35%Loss allowance to loans
0.92%Loss allowance to noncurrent loans
133.69%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.69%Net loans and leases to deposits
81.56%Net loans and leases to core deposits
89.37%Equity capital to assets
8.07%Core capital (leverage) ratio
7.96%Tier 1 risk-based capital ratio
12.13%Total risk-based capital ratio
Memoranda
$13Average assets
$220,771Average earning assets
$20,859Average equity
$192,198Average loans
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Oswego County National Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: