Putnam County Savings Bank in Brewster, New York (NY)



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Putnam County Savings Bank routing number info

Table of contents:
Putnam County Savings Bank
GeneralFDIC Certificate #: 15995
Status: Active
Federal Reserve ID: 24006
Date Established: January 01, 1871
WWW: http://www.pcsb.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
FDIC's unique #: 10225
Numeric code: 42
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: Commercial Lending Specialization
Date of Deposit Insurance: July 01, 1943
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 2477 Route 6, Brewster, NY 10509
County: Putnam
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: New York City
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): New York, NY (#5600)
Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $956.4 mil
Equity capital: $107.1 mil
Deposits held in domestic offices: $842.9 mil
Return on assets (ROA): 0.19% ($1.8 mil)
Quarterly return on assets: 0.29% ($2.8 mil)
Return on Equity (ROE): 1.74% ($1.9 mil)
Quarterly return on equity: 2.57% ($2.7 mil)
Net income: $1.8 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.29% ($2,773.6 mil)
Quarterly Pretax return on assets: 0.43% ($4,112.6 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)
Total employees (full-time equivalent)133
Total assets$956,415
Cash and due from depository institutions$126,564
Interest-bearing balances$114,923
Securities$334,317
Federal funds sold & reverse repurchase agreements$6,080
Net loans & leases$473,284
Loan loss allowance $4,985
Trading account assets$0
Bank premises and fixed assets$3,970
Other real estate owned$133
Goodwill and other intangibles$0
All other assets$12,067
Life insurance assets$956,415
Total liabilities and capital$849,282
Total liabilities$842,868
Total deposits$745,535
Interest-bearing deposits$842,868
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $6,414
All other liabilities $107,133
Total equity capital$107,112
Total bank equity capital$107,112
Perpetual preferred stock$0
Common stock$0
Surplus$13,899
Undivided profits $93,213
Memoranda
Noncurrent loans and leases $21
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $23,003
Earning assets $0
Long-term assets (5+ years) $2,961
Average Assets, year-to-date $928,604
Average Assets, quarterly $162,835
Volatile liabilities $961,976
Insider loans $958,568
FHLB advances $493,348
Loans and leases held for sale $950,206
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $110,641
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $86,973
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $32,670
Total interest expense $6,828
Net interest income $25,842
Provision for loan and lease losses $4,947
Total noninterest income $1,187
Fiduciary activities $0
Service charges on deposit accounts $726
Trading account gains & fees $0
Additional noninterest income $461
Total noninterest expense $19,337
Salaries and employee benefits $12,106
Premises and equipment expense $2,929
Additional noninterest expense $4,302
Pre-tax net operating income $2,745
Securities gains (losses) $9
Applicable income taxes $915
Income before extraordinary items $1,839
Extraordinary gains - net $0
Net income attributable to bank $1,839
Net charge-offs $0
Cash dividends $1,839
Sale, conversion, retirement of capital stock, net $4,654
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.49%
Cost of funding earning assets 0.73%
Net interest margin 2.76%
Noninterest income to earning assets 0.13%
Noninterest expense to earning assets 2.07%
Net operating income to assets 0.19%
Return on assets (ROA) 0.19%
Pretax return on assets 0.29%
Return on equity (ROE) 1.74%
Retained earnings to average equity (YTD only) 1.74%
Net charge-offs to loans 0.94%
Credit loss provision to net charge-offs 106.30%
Efficiency ratio1.65%
Assets per employee$71,542
Cash dividends to net income (YTD only)7.19%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.04%
Noncurrent assets plus other real estate owned to assets 21.67%
Noncurrent loans to loans 2.42%
Net loans and leases to deposits4.81%
Net loans and leases to core deposits 56.15%
Equity capital to assets 56.86%
Core capital (leverage) ratio 11.20%
Tier 1 risk-based capital ratio 11.64%
Total risk-based capital ratio 22.43%
Memoranda
Average assets$23
Average earning assets$961,976
Average equity $105,735
Average loans $935,179
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9 New York Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010225Putnam County Savings Bank2477 Route 6, Brewster, NY 10509January 01, 1871Full Service Brick and Mortar
1236433Mahopac BranchPutnam Shopping Center, Route 6, Mahopac, NY 10541July 22, 1974Full Service Brick and Mortar
2236434Somers BranchHeritage 202 Center, Somers Township, NY 10589December 05, 1981Full Service Brick and Mortar
3236435Pawling BranchRoute 22, Pawling, NY 12564Febuary 03, 1989Full Service Brick and Mortar
4236436Jefferson Valley Branch3649 Lee Road, Jefferson Valley, NY 10535October 22, 1994Full Service Brick and Mortar
5334374Kent Branch256 Route 52, Carmel, NY 10512April 29, 2000Full Service Brick and Mortar
6362875Fishkill Branch804 Route 9, Fishkill, NY 12524January 11, 2002Full Service Brick and Mortar
7428802Yorktown Heights Branch331 Downing Drive, Yorktown Heights, NY 10598June 05, 2004Full Service Brick and Mortar
8430299Pawling Village Branch63 East Main Street, Pawling, NY 12564March 06, 2004Full Service Brick and Mortar
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