Putnam County Savings Bank in Brewster, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Putnam County Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 133Total employees (full-time equivalent)
  • $956,415Total assets
  • $126,564Cash and due from depository institutions
  • $114,923Interest-bearing balances
  • $334,317Securities
  • $6,080Federal funds sold & reverse repurchase agreements
  • $473,284Net loans & leases
  • $4,985Loan loss allowance
  • $0Trading account assets
  • $3,970Bank premises and fixed assets
  • $133Other real estate owned
  • $0Goodwill and other intangibles
  • $956,415Life insurance assets
  • $12,067All other assets
  • $849,282Total liabilities and capital
  • $842,868Total liabilities
  • $745,535Total deposits
  • $842,868Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6,414Subordinated debt
  • $107,133All other liabilities
  • $107,112Total equity capital
  • $107,112Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $13,899Surplus
  • $93,213Undivided profits
  • Memoranda
  • $21Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23,003Income earned, not collected on loans
  • $0Earning assets
  • $2,961Long-term assets (5+ years)
  • $928,604Average Assets, year-to-date
  • $162,835Average Assets, quarterly
  • $961,976Volatile liabilities
  • $958,568Insider loans
  • $493,348FHLB advances
  • $950,206Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $110,641Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $86,973Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,670Total interest income
  • $6,828Total interest expense
  • $25,842Net interest income
  • $4,947Provision for loan and lease losses
  • $1,187Total noninterest income
  • $0Fiduciary activities
  • $726Service charges on deposit accounts
  • $0Trading account gains & fees
  • $461Additional noninterest income
  • $19,337Total noninterest expense
  • $12,106Salaries and employee benefits
  • $2,929Premises and equipment expense
  • $4,302Additional noninterest expense
  • $2,745Pre-tax net operating income
  • $9Securities gains (losses)
  • $915Applicable income taxes
  • $1,839Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,839Net income attributable to bank
  • $0Net charge-offs
  • $1,839Cash dividends
  • $4,654Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.49%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 2.76%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 2.07%Noninterest expense to earning assets
  • 0.19%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.29%Pretax return on assets
  • 1.74%Return on equity (ROE)
  • 1.74%Retained earnings to average equity (YTD only)
  • 0.94%Net charge-offs to loans
  • 106.30%Credit loss provision to net charge-offs
  • 1.65%Efficiency ratio
  • 71,542Assets per employee
  • 7.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 21.67%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 4.81%Net loans and leases to deposits
  • 56.15%Net loans and leases to core deposits
  • 56.86%Equity capital to assets
  • 11.20%Core capital (leverage) ratio
  • 11.64%Tier 1 risk-based capital ratio
  • 22.43%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $961,976Average earning assets
  • $105,735Average equity
  • $935,179Average loans

List of branches

  • 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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