The Mahopac National Bank in Brewster, New York (NY)
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| The Mahopac National Bank | |
|---|---|
| General | FDIC 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 |
| Location | Address: 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 Changes | Change in Location |
| Financial Summary | Total 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.58% |
| 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 ratio | 3.63% |
| 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 deposits | 4.13% |
| 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 |
| 15 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 4742 | The Mahopac National Bank | 1441 Route 22, Brewster, NY 10509 | January 01, 1927 | Full Service Brick and Mortar |  |
| 1 | 213951 | Red Mills Branch | Route 6-N, Mahopac Falls, NY 10542 | July 31, 1967 | Full Service Brick and Mortar |  |
| 2 | 213952 | Putnam Valley Branch | Peekskill Hollow Road/Oregon Corners, Putnam Valley, NY 10579 | October 17, 1974 | Full Service Brick and Mortar | |
| 3 | 213953 | Brewster Branch | 1441 Route 22, Brewster, NY 10509 | Febuary 02, 2000 | Full Service Brick and Mortar | |
| 4 | 362100 | Hopewell Junction Branch | 831 Route 82, Hopewell Junction, NY 12533 | October 01, 2001 | Full Service Brick and Mortar | |
| 5 | 419871 | La Grange Branch | Apple Valley Shopping Ctr., 706 Freedom Plains Road, Poughkeepsie, NY 12603 | July 07, 2002 | Full Service Brick and Mortar | |
| 6 | 429618 | Mount Kisco Branch | 293 Lexington Avenue, Mount Kisco, NY 10549 | June 21, 2004 | Full Service Brick and Mortar | |
| 7 | 450588 | Southeast Branch | 100 Independent Way, Suite D, Brewster, NY 10509 | March 20, 2006 | Full Service Brick and Mortar | |
| 8 | 458777 | Wappingers Fall Branch | 1283 Route 9, Wappingers Falls, NY 12590 | December 11, 2006 | Full Service Brick and Mortar | |
| 9 | 4763 | Sleepy Hollow Branch | 49 Beekman Avenue, Sleepy Hollow, NY 10591 | January 01, 1924 | Full Service Brick and Mortar | |
| 10 | 214789 | Pleasantville Branch | 57 Wheeler Avenue, Pleasantville, NY 10570 | May 13, 1991 | Full Service Brick and Mortar | |
| 11 | 214790 | Ossining Branch | 2 Church Street, Ossining, NY 10562 | December 01, 1997 | Full Service Brick and Mortar | |
| 12 | 366257 | Yonkers Branch | 634 Yonkers Avenue, Yonkers, NY 10704 | October 16, 2002 | Full Service Brick and Mortar | |
| 13 | 429657 | Palisade Branch | 775 Palisade Avenue, Yonkers, NY 10703 | May 06, 2004 | Full Service Brick and Mortar | |
| 14 | 441887 | Kendal-On-hudson Branch | One Kendal Way, Sleepy Hollow, NY 10591 | June 30, 2005 | Limited Service Mobile | |
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