The Mahopac National Bank in Brewster, New York (NY)



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The Mahopac National Bank routing number info

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The Mahopac National Bank
GeneralFDIC Certificate #: 7153
Status: Active
Federal Reserve ID: 521804
Bank Holding Company (Regulatory Top Holder): Tompkins Financial Corporation (RSSDID: 2367921, Location: Ithaca, NY)
Date Established: January 01, 1927
WWW: http://www.welcomebanking.com
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: 15 (Domestic: 15, Interstate: No)
OTS Docket #: 14309
FDIC's unique #: 4742
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 14, 2010
Last Structure Change Process Date: December 14, 2010
Last Data Update: December 14, 2010
Data Source Date: April 05, 2012
LocationAddress: 1441 Route 22, Brewster, NY 10509
County: Putnam
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: New York City
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): New York, NY (#5600)
Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
History of ChangesChange in Location
Financial SummaryTotal assets: $881.7 mil
Equity capital: $104.8 mil
Deposits held in domestic offices: $684.4 mil
Return on assets (ROA): 0.52% ($4.6 mil)
Quarterly return on assets: 0.78% ($6.9 mil)
Return on Equity (ROE): 4.44% ($4.7 mil)
Quarterly return on equity: 6.67% ($7.0 mil)
Net income: $4.6 mil
Quarterly Net income: $1.7 mil
Pretax return on assets: 0.76% ($6,700.9 mil)
Quarterly Pretax return on assets: 1.16% ($10,227.7 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)117
Total assets$881,694
Cash and due from depository institutions$12,791
Interest-bearing balances$1,235
Securities$249,334
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$551,497
Loan loss allowance $12,012
Trading account assets$2,538
Bank premises and fixed assets$16,458
Other real estate owned$917
Goodwill and other intangibles$24,929
All other assets$23,230
Life insurance assets$881,694
Total liabilities and capital$776,818
Total liabilities$684,414
Total deposits$496,799
Interest-bearing deposits$684,414
Deposits held in domestic offices$84
% insured (estimated)67709.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20,000
Other borrowed funds $0
Subordinated debt $4,695
All other liabilities $104,876
Total equity capital$104,817
Total bank equity capital$104,817
Perpetual preferred stock$0
Common stock$213
Surplus$69,932
Undivided profits $34,672
Memoranda
Noncurrent loans and leases $59
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $23,298
Earning assets $0
Long-term assets (5+ years) $3,198
Average Assets, year-to-date $804,604
Average Assets, quarterly $384,238
Volatile liabilities $875,352
Insider loans $895,001
FHLB advances $590,063
Loans and leases held for sale $867,780
Unused loan commitments $7,444
Tier 1 (core) risk-based capital $7,444
Tier 2 risk-based capital $78,113
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $97,752
Derivatives$1,120
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $36,439
Total interest expense $5,021
Net interest income $31,418
Provision for loan and lease losses $5,200
Total noninterest income $4,375
Fiduciary activities $0
Service charges on deposit accounts $2,326
Trading account gains & fees -$75
Additional noninterest income $2,124
Total noninterest expense $24,158
Salaries and employee benefits $8,912
Premises and equipment expense $3,135
Additional noninterest expense $12,111
Pre-tax net operating income $6,435
Securities gains (losses) $198
Applicable income taxes $2,070
Income before extraordinary items $4,563
Extraordinary gains - net $0
Net income attributable to bank $4,558
Net charge-offs $5
Cash dividends $4,563
Sale, conversion, retirement of capital stock, net $3,208
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.58%
Cost of funding earning assets 0.63%
Net interest margin 3.95%
Noninterest income to earning assets 0.55%
Noninterest expense to earning assets 3.04%
Net operating income to assets 0.51%
Return on assets (ROA) 0.52%
Pretax return on assets 0.76%
Return on equity (ROE) 4.44%
Retained earnings to average equity (YTD only) 4.44%
Net charge-offs to loans 0.58%
Credit loss provision to net charge-offs 162.09%
Efficiency ratio3.63%
Assets per employee$66,491
Cash dividends to net income (YTD only)7.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.13%
Noncurrent assets plus other real estate owned to assets 51.56%
Noncurrent loans to loans 2.75%
Net loans and leases to deposits4.13%
Net loans and leases to core deposits 80.58%
Equity capital to assets 84.89%
Core capital (leverage) ratio 11.89%
Tier 1 risk-based capital ratio 9.00%
Total risk-based capital ratio 13.24%
Memoranda
Average assets$14
Average earning assets$875,352
Average equity $102,559
Average loans $794,787
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15 New York Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04742The Mahopac National Bank1441 Route 22, Brewster, NY 10509January 01, 1927Full Service Brick and Mortar
1213951Red Mills BranchRoute 6-N, Mahopac Falls, NY 10542July 31, 1967Full Service Brick and Mortar
2213952Putnam Valley BranchPeekskill Hollow Road/Oregon Corners, Putnam Valley, NY 10579October 17, 1974Full Service Brick and Mortar
3213953Brewster Branch1441 Route 22, Brewster, NY 10509Febuary 02, 2000Full Service Brick and Mortar
4362100Hopewell Junction Branch831 Route 82, Hopewell Junction, NY 12533October 01, 2001Full Service Brick and Mortar
5419871La Grange BranchApple Valley Shopping Ctr., 706 Freedom Plains Road, Poughkeepsie, NY 12603July 07, 2002Full Service Brick and Mortar
6429618Mount Kisco Branch293 Lexington Avenue, Mount Kisco, NY 10549June 21, 2004Full Service Brick and Mortar
7450588Southeast Branch100 Independent Way, Suite D, Brewster, NY 10509March 20, 2006Full Service Brick and Mortar
8458777Wappingers Fall Branch1283 Route 9, Wappingers Falls, NY 12590December 11, 2006Full Service Brick and Mortar
94763Sleepy Hollow Branch49 Beekman Avenue, Sleepy Hollow, NY 10591January 01, 1924Full Service Brick and Mortar
10214789Pleasantville Branch57 Wheeler Avenue, Pleasantville, NY 10570May 13, 1991Full Service Brick and Mortar
11214790Ossining Branch2 Church Street, Ossining, NY 10562December 01, 1997Full Service Brick and Mortar
12366257Yonkers Branch634 Yonkers Avenue, Yonkers, NY 10704October 16, 2002Full Service Brick and Mortar
13429657Palisade Branch775 Palisade Avenue, Yonkers, NY 10703May 06, 2004Full Service Brick and Mortar
14441887Kendal-On-hudson BranchOne Kendal Way, Sleepy Hollow, NY 10591June 30, 2005Limited Service Mobile
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