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

The Lyons National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 142Total employees (full-time equivalent)
  • $554,692Total assets
  • $18,065Cash and due from depository institutions
  • $5,326Interest-bearing balances
  • $150,638Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $352,950Net loans & leases
  • $7,001Loan loss allowance
  • $0Trading account assets
  • $14,696Bank premises and fixed assets
  • $0Other real estate owned
  • $462Goodwill and other intangibles
  • $554,692Life insurance assets
  • $17,881All other assets
  • $509,052Total liabilities and capital
  • $461,032Total liabilities
  • $367,202Total deposits
  • $461,032Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 7058.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $35,000Trading liabilities
  • $0Other borrowed funds
  • $5,962Subordinated debt
  • $45,640All other liabilities
  • $45,584Total equity capital
  • $45,584Total bank equity capital
  • $0Perpetual preferred stock
  • $302Common stock
  • $12,355Surplus
  • $32,927Undivided profits
  • Memoranda
  • $56Noncurrent loans and leases
  • $4,564Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,956Income earned, not collected on loans
  • $329Earning assets
  • $2,069Long-term assets (5+ years)
  • $508,914Average Assets, year-to-date
  • $270,560Average Assets, quarterly
  • $534,663Volatile liabilities
  • $547,170Insider loans
  • $363,841FHLB advances
  • $544,125Loans and leases held for sale
  • $7,593Unused loan commitments
  • $6,745Tier 1 (core) risk-based capital
  • $45,816Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $848Total unused commitments
  • $115,190Restructured Loans and leases
  • $7,475Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,872Total interest income
  • $3,128Total interest expense
  • $18,744Net interest income
  • $965Provision for loan and lease losses
  • $5,309Total noninterest income
  • $0Fiduciary activities
  • $2,296Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,013Additional noninterest income
  • $16,000Total noninterest expense
  • $9,037Salaries and employee benefits
  • $1,832Premises and equipment expense
  • $5,131Additional noninterest expense
  • $7,088Pre-tax net operating income
  • $407Securities gains (losses)
  • $1,940Applicable income taxes
  • $5,555Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,555Net income attributable to bank
  • $0Net charge-offs
  • $5,555Cash dividends
  • $405Sale, conversion, retirement of capital stock, net
  • $1,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.80%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 3.24%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 12.67%Return on equity (ROE)
  • 8.79%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 238.27%Credit loss provision to net charge-offs
  • 19.88%Efficiency ratio
  • 66,520Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.60%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 117.55%Noncurrent assets plus other real estate owned to assets
  • 1.07%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 76.56%Net loans and leases to core deposits
  • 82.57%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 12.59%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $534,663Average earning assets
  • $43,852Average equity
  • $493,756Average loans

List of branches

  • 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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