The Keeseville National Bank in Keeseville, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 01, 1994

  • The Keeseville National Bank in Keeseville, New York (NY)
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The Keeseville National Bank - Overview

  • General
  • FDIC Certificate #: 7125
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Evergreen Bank, National Association (#7073)
    Federal Reserve ID: 312909
    Date Established: January 01, 1871
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 4734
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 01, 1994
    Last Structure Change Process Date: December 12, 1994
    Last Data Update: December 12, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Keeseville, NY 12944
    County: Clinton
    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
    Core Based Statistical Area (CBSA): Plattsburgh, NY (#38460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $138.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $48Total assets
  • $137,639Cash and due from depository institutions
  • $5,622Interest-bearing balances
  • $50Securities
  • $35,185Federal funds sold & reverse repurchase agreements
  • $3,200Net loans & leases
  • $88,990Loan loss allowance
  • $1,806Trading account assets
  • $0Bank premises and fixed assets
  • $1,398Other real estate owned
  • $1,044Goodwill and other intangibles
  • $2,200Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $137,639Total liabilities
  • $126,327Total deposits
  • $125,885Interest-bearing deposits
  • $103,346Deposits held in domestic offices
  • 125885.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $442Total equity capital
  • $442Total bank equity capital
  • $11,312Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $4,690Undivided profits
  • Memoranda
  • $6,122Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,271Income earned, not collected on loans
  • $477Earning assets
  • $127,425Long-term assets (5+ years)
  • $45,729Average Assets, year-to-date
  • $141,913Average Assets, quarterly
  • $139,219Volatile liabilities
  • $2,715Insider loans
  • $1,653FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $8,557Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,312Total risk weighted assets
  • $95,095Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $10,292Total interest expense
  • $3,690Net interest income
  • $6,602Provision for loan and lease losses
  • $1,579Total noninterest income
  • $982Fiduciary activities
  • $0Service charges on deposit accounts
  • $657Trading account gains & fees
  • $0Additional noninterest income
  • $325Total noninterest expense
  • $4,083Salaries and employee benefits
  • $1,330Premises and equipment expense
  • $422Additional noninterest expense
  • $2,331Pre-tax net operating income
  • $1,922Securities gains (losses)
  • $0Applicable income taxes
  • $754Income before extraordinary items
  • $1,168Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,168Net charge-offs
  • $936Cash dividends
  • $143Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.92%Cost of funding earning assets
  • 2.84%Net interest margin
  • 5.08%Noninterest income to earning assets
  • 0.76%Noninterest expense to earning assets
  • 3.14%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 1.35%Return on equity (ROE)
  • 10.87%Retained earnings to average equity (YTD only)
  • 9.54%Net charge-offs to loans
  • 1.00%Credit loss provision to net charge-offs
  • 168.70%Efficiency ratio
  • 53,837Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.24%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 55.21%Noncurrent assets plus other real estate owned to assets
  • 3.14%Noncurrent loans to loans
  • 3.60%Net loans and leases to deposits
  • 70.69%Net loans and leases to core deposits
  • 72.25%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.05%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $141,913Average earning assets
  • $10,749Average equity
  • $129,952Average loans

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