State Bank of Chittenango in Chittenango, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • State Bank of Chittenango in Chittenango, New York (NY)
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State Bank of Chittenango - Overview

  • General
  • FDIC Certificate #: 12940
    Status: Active
    Federal Reserve ID: 103602
    Date Established: Febuary 23, 1923
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8185
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Directly owned by another bank (CERT): #12940
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 02, 2007
    Last Structure Change Process Date: October 16, 2007
    Last Data Update: October 16, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 519 Genesee Street, Chittenango, NY 13037
    County: Madison
    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)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $149.6 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $118.9 mil
    Return on assets (ROA): 1.72% ($2.6 mil)
    Quarterly return on assets: 1.63% ($2.4 mil)
    Return on Equity (ROE): 22.67% ($3.4 mil)
    Quarterly return on equity: 17.86% ($2.7 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 2.37% ($3,546.2 mil)
    Quarterly Pretax return on assets: 2.22% ($3,321.8 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
  • 0Total employees (full-time equivalent)
  • $149,630Total assets
  • $77Cash and due from depository institutions
  • $0Interest-bearing balances
  • $148,774Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $149,630Life insurance assets
  • $779All other assets
  • $135,021Total liabilities and capital
  • $118,878Total liabilities
  • $116,913Total deposits
  • $118,878Interest-bearing deposits
  • $20Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $16,143Subordinated debt
  • $14,609All other liabilities
  • $14,609Total equity capital
  • $14,609Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $3,967Surplus
  • $10,641Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $608Long-term assets (5+ years)
  • $148,774Average Assets, year-to-date
  • $133,448Average Assets, quarterly
  • $153,291Volatile liabilities
  • $155,464Insider loans
  • $26,497FHLB advances
  • $156,933Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,495Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,468Total interest income
  • $885Total interest expense
  • $3,583Net interest income
  • $0Provision for loan and lease losses
  • $0Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $203Total noninterest expense
  • $0Salaries and employee benefits
  • $7Premises and equipment expense
  • $196Additional noninterest expense
  • $3,380Pre-tax net operating income
  • $259Securities gains (losses)
  • $1,006Applicable income taxes
  • $2,633Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,633Net income attributable to bank
  • $0Net charge-offs
  • $2,633Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.94%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 2.36%Net interest margin
  • 0.00%Noninterest income to earning assets
  • 0.13%Noninterest expense to earning assets
  • 1.60%Net operating income to assets
  • 1.72%Return on assets (ROA)
  • 2.37%Pretax return on assets
  • 22.67%Return on equity (ROE)
  • 22.67%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 5,666Assets per employee
  • 0.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 7.96%Tier 1 risk-based capital ratio
  • 47.16%Total risk-based capital ratio
  • Memoranda
  • $47Average assets
  • $153,291Average earning assets
  • $11,613Average equity
  • $151,895Average loans

List of branches

  • 1 New York Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08185State Bank Of Chittenango519 Genesee Street, Chittenango, NY 13037Febuary 23, 1923Full Service Brick and Mortar

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