The Lyons National Bank in Lyons, New York (NY)

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The Lyons National Bank
GeneralFDIC Certificate #: 7151
Status: Active
Federal Reserve ID: 323204
Bank Holding Company (Regulatory Top Holder): Lyons Bancorp, Inc. (RSSDID: 1246476, Location: Lyons, NY)
Date Established: January 01, 1865
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 13866
FDIC's unique #: 4740
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
LocationAddress: 35 Williams Street, Lyons, NY 14489
County: Wayne
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): Rochester, NY (#6840)
Combined Statistical Area (CSA): Rochester-Batavia-Seneca Falls, NY (#464)
Core Based Statistical Area (CBSA): Rochester, NY (#40380)
CBSA Metro Statistical Area: Rochester, NY (#40380)
Financial SummaryTotal assets: $554.7 mil
Equity capital: $45.6 mil
Deposits held in domestic offices: $461.0 mil
Return on assets (ROA): 1.04% ($5.8 mil)
Quarterly return on assets: 1.05% ($5.8 mil)
Return on Equity (ROE): 12.67% ($5.8 mil)
Quarterly return on equity: 12.58% ($5.8 mil)
Net income: $5.6 mil
Quarterly Net income: $1.4 mil
Pretax return on assets: 1.40% ($7,765.7 mil)
Quarterly Pretax return on assets: 1.45% ($8,043.0 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)142
Total assets$554,692
Cash and due from depository institutions$18,065
Interest-bearing balances$5,326
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$352,950
Loan loss allowance $7,001
Trading account assets$0
Bank premises and fixed assets$14,696
Other real estate owned$0
Goodwill and other intangibles$462
All other assets$17,881
Life insurance assets$554,692
Total liabilities and capital$509,052
Total liabilities$461,032
Total deposits$367,202
Interest-bearing deposits$461,032
Deposits held in domestic offices$83
% insured (estimated)7058.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$35,000
Other borrowed funds $0
Subordinated debt $5,962
All other liabilities $45,640
Total equity capital$45,584
Total bank equity capital$45,584
Perpetual preferred stock$0
Common stock$302
Undivided profits $32,927
Noncurrent loans and leases $56
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,564
Income earned, not collected on loans $5,956
Earning assets $329
Long-term assets (5+ years) $2,069
Average Assets, year-to-date $508,914
Average Assets, quarterly $270,560
Volatile liabilities $534,663
Insider loans $547,170
FHLB advances $363,841
Loans and leases held for sale $544,125
Unused loan commitments $7,593
Tier 1 (core) risk-based capital $6,745
Tier 2 risk-based capital $45,816
Total risk weighted assets $0
Total unused commitments $848
Restructured Loans and leases $115,190
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $21,872
Total interest expense $3,128
Net interest income $18,744
Provision for loan and lease losses $965
Total noninterest income $5,309
Fiduciary activities $0
Service charges on deposit accounts $2,296
Trading account gains & fees $0
Additional noninterest income $3,013
Total noninterest expense $16,000
Salaries and employee benefits $9,037
Premises and equipment expense $1,832
Additional noninterest expense $5,131
Pre-tax net operating income $7,088
Securities gains (losses) $407
Applicable income taxes $1,940
Income before extraordinary items $5,555
Extraordinary gains - net $0
Net income attributable to bank $5,555
Net charge-offs $0
Cash dividends $5,555
Sale, conversion, retirement of capital stock, net $405
Net operating income $1,700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.43%
Cost of funding earning assets 0.63%
Net interest margin 3.80%
Noninterest income to earning assets 1.08%
Noninterest expense to earning assets 3.24%
Net operating income to assets 0.98%
Return on assets (ROA) 1.04%
Pretax return on assets 1.40%
Return on equity (ROE) 12.67%
Retained earnings to average equity (YTD only) 8.79%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 238.27%
Efficiency ratio19.88%
Assets per employee$66,520
Cash dividends to net income (YTD only)3.91%
Condition Ratios (%)
Loss allowance to loans 30.60%
Loss allowance to noncurrent loans 1.94%
Noncurrent assets plus other real estate owned to assets 117.55%
Noncurrent loans to loans 1.07%
Net loans and leases to deposits1.65%
Net loans and leases to core deposits 76.56%
Equity capital to assets 82.57%
Core capital (leverage) ratio 8.22%
Tier 1 risk-based capital ratio 8.42%
Total risk-based capital ratio 12.59%
Average assets$14
Average earning assets$534,663
Average equity $43,852
Average loans $493,756
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11 New York Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04740The Lyons National Bank35 Williams Street, Lyons, NY 14489January 01, 1865Full Service Brick and Mortar
1213946Forgham Street BranchRoutes 31 And 14, Lyons, NY 14489October 20, 1986Full Service Brick and Mortar
2213947Wolcott Branch5996 New Hartford Street, Wolcott, NY 14590September 24, 1990Full Service Brick and Mortar
3213948Newark Branch750 W Miller Street, Newark, NY 14513March 01, 1996Full Service Brick and Mortar
4213949Macedon Branch359 Nys Route 31, Macedon, NY 14502December 08, 1997Full Service Brick and Mortar
5213950Ontario BranchTops Plaza Shopping Center, 6254 Furnace Road, Ontario, NY 14519October 15, 1999Full Service Brick and Mortar
6364475Jordan Branch2 N Main St, Jordan, NY 13080July 01, 2001Full Service Brick and Mortar
7364476Clyde Branch4 Williams St, Clyde, NY 14433June 03, 2002Full Service Brick and Mortar
8428603Penn Yan Branch205 Liberty Street, Penn Yan, NY 14527May 03, 2004Full Service Brick and Mortar
9430099Geneva Branch399 Exchange Street, Geneva, NY 14456July 01, 2003Full Service Brick and Mortar
10511672Seneca County Branch2433 State Route 414, Waterloo, NY 13165June 30, 2010Full Service Brick and Mortar
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