The Bank of Castile in Castile, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Bank of Castile in Castile, New York (NY)
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The Bank of Castile - Overview

  • General
  • FDIC Certificate #: 13292
    Status: Active
    Federal Reserve ID: 165806
    Bank Holding Company (Regulatory Top Holder): Tompkins Financial Corporation (RSSDID: 2367921, Location: Ithaca, NY)
    Date Established: April 01, 1869
    WWW: http://www.bankofcastile.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 17 (Domestic: 17, Interstate: No)
    OTS Docket #: 10899
    FDIC's unique #: 8405
    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
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 50 Main Street, Castile, NY 14427
    County: Wyoming
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $976.1 mil
    Equity capital: $75.9 mil
    Deposits held in domestic offices: $834.1 mil
    Return on assets (ROA): 1.17% ($11.4 mil)
    Quarterly return on assets: 1.04% ($10.2 mil)
    Return on Equity (ROE): 15.17% ($11.5 mil)
    Quarterly return on equity: 13.11% ($10.0 mil)
    Net income: $10.9 mil
    Quarterly Net income: $2.5 mil
    Pretax return on assets: 1.83% ($17,862.2 mil)
    Quarterly Pretax return on assets: 1.63% ($15,910.1 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
  • 121Total employees (full-time equivalent)
  • $976,079Total assets
  • $17,169Cash and due from depository institutions
  • $689Interest-bearing balances
  • $312,211Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $614,577Net loans & leases
  • $6,634Loan loss allowance
  • $2,034Trading account assets
  • $12,786Bank premises and fixed assets
  • $192Other real estate owned
  • $592Goodwill and other intangibles
  • $976,079Life insurance assets
  • $16,518All other assets
  • $900,108Total liabilities and capital
  • $834,145Total liabilities
  • $643,262Total deposits
  • $834,145Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 32839.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,000Trading liabilities
  • $0Other borrowed funds
  • $8,124Subordinated debt
  • $75,971All other liabilities
  • $75,916Total equity capital
  • $75,916Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $14,619Surplus
  • $60,922Undivided profits
  • Memoranda
  • $55Noncurrent loans and leases
  • $70Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,361Income earned, not collected on loans
  • $334Earning assets
  • $3,264Long-term assets (5+ years)
  • $929,511Average Assets, year-to-date
  • $457,551Average Assets, quarterly
  • $929,158Volatile liabilities
  • $963,535Insider loans
  • $647,130FHLB advances
  • $943,466Loans and leases held for sale
  • $6,855Unused loan commitments
  • $6,855Tier 1 (core) risk-based capital
  • $72,099Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $167,061Restructured Loans and leases
  • $25,395Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $39,433Total interest income
  • $6,966Total interest expense
  • $32,467Net interest income
  • -$855Provision for loan and lease losses
  • $5,198Total noninterest income
  • $0Fiduciary activities
  • $2,831Service charges on deposit accounts
  • -$72Trading account gains & fees
  • $2,439Additional noninterest income
  • $21,466Total noninterest expense
  • $8,565Salaries and employee benefits
  • $1,986Premises and equipment expense
  • $10,915Additional noninterest expense
  • $17,054Pre-tax net operating income
  • -$13Securities gains (losses)
  • $6,140Applicable income taxes
  • $10,901Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,896Net income attributable to bank
  • $5Net charge-offs
  • $10,901Cash dividends
  • $320Sale, conversion, retirement of capital stock, net
  • $2,875Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.83%Pretax return on assets
  • 15.17%Return on equity (ROE)
  • 11.16%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • -267.19%Credit loss provision to net charge-offs
  • 50.62%Efficiency ratio
  • 56,992Assets per employee
  • 8.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.39%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 152.12%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 73.68%Net loans and leases to core deposits
  • 81.74%Equity capital to assets
  • 7.78%Core capital (leverage) ratio
  • 7.64%Tier 1 risk-based capital ratio
  • 11.14%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $929,158Average earning assets
  • $71,841Average equity
  • $882,104Average loans

List of branches

  • 17 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08405The Bank Of Castile50 Main Street, Castile, NY 14427April 01, 1869Full Service Brick and Mortar
    1229424Gainesville Branch1 Main Street, Gainesville, NY 14066December 23, 1954Full Service Brick and Mortar
    2229425Perry Branch102 North Center Street, Perry, NY 14530December 14, 1972Full Service Brick and Mortar
    3229426Retsof Branch3768 Route 36, Retsof, NY 14539October 04, 1982Full Service Brick and Mortar
    4221249Warsaw Branch2367 North Main Street, Warsaw, NY 14569August 13, 1974Full Service Brick and Mortar
    5229427Avon Branch263 East Main Street, Avon, NY 14414May 17, 1989Full Service Brick and Mortar
    6286654Le Roy Branch29 Main Street, Le Roy, NY 14482December 30, 1980Full Service Brick and Mortar
    7229428Arcade Branch604 West Main Street, Arcade, NY 14009Febuary 24, 1992Full Service Brick and Mortar
    8229429Batavia Branch408 East Main Street, Batavia, NY 14020June 14, 1993Full Service Brick and Mortar
    9213262Caledonia Branch3155 State Street, Caledonia, NY 14423September 17, 1973Full Service Brick and Mortar
    10229430Geneseo Branch11 South Street, Geneseo, NY 14454January 05, 1998Full Service Brick and Mortar
    11229431Chili Branch3252 Chili Avenue, Chili, NY 14624May 24, 1999Full Service Brick and Mortar
    12358382Medina Branch1410 South Main Street, Medina, NY 14103October 02, 2000Full Service Brick and Mortar
    13465403Long Pond Road Branch724 Long Pond Road, Greece, NY 14612July 11, 2006Full Service Brick and Mortar
    1446574490 Main Street Branch90 Main Street, Batavia, NY 14020April 01, 2006Full Service Brick and Mortar
    15465745West Main Street Branch358 West Main Street, Batavia, NY 14020May 22, 2007Full Service Brick and Mortar
    16521631Pittsford Branch179 Sully's Trail, Pittsford, NY 14534April 30, 2011Full Service Brick and Mortar

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