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

The Mahopac National Bank - Overview

  • 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
    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)

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
  • 117Total employees (full-time equivalent)
  • $881,694Total assets
  • $12,791Cash and due from depository institutions
  • $1,235Interest-bearing balances
  • $249,334Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $551,497Net loans & leases
  • $12,012Loan loss allowance
  • $2,538Trading account assets
  • $16,458Bank premises and fixed assets
  • $917Other real estate owned
  • $24,929Goodwill and other intangibles
  • $881,694Life insurance assets
  • $23,230All other assets
  • $776,818Total liabilities and capital
  • $684,414Total liabilities
  • $496,799Total deposits
  • $684,414Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 67709.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $4,695Subordinated debt
  • $104,876All other liabilities
  • $104,817Total equity capital
  • $104,817Total bank equity capital
  • $0Perpetual preferred stock
  • $213Common stock
  • $69,932Surplus
  • $34,672Undivided profits
  • Memoranda
  • $59Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23,298Income earned, not collected on loans
  • $0Earning assets
  • $3,198Long-term assets (5+ years)
  • $804,604Average Assets, year-to-date
  • $384,238Average Assets, quarterly
  • $875,352Volatile liabilities
  • $895,001Insider loans
  • $590,063FHLB advances
  • $867,780Loans and leases held for sale
  • $7,444Unused loan commitments
  • $7,444Tier 1 (core) risk-based capital
  • $78,113Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $97,752Restructured Loans and leases
  • $1,120Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,439Total interest income
  • $5,021Total interest expense
  • $31,418Net interest income
  • $5,200Provision for loan and lease losses
  • $4,375Total noninterest income
  • $0Fiduciary activities
  • $2,326Service charges on deposit accounts
  • -$75Trading account gains & fees
  • $2,124Additional noninterest income
  • $24,158Total noninterest expense
  • $8,912Salaries and employee benefits
  • $3,135Premises and equipment expense
  • $12,111Additional noninterest expense
  • $6,435Pre-tax net operating income
  • $198Securities gains (losses)
  • $2,070Applicable income taxes
  • $4,563Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,558Net income attributable to bank
  • $5Net charge-offs
  • $4,563Cash dividends
  • $3,208Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 4.44%Return on equity (ROE)
  • 4.44%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 162.09%Credit loss provision to net charge-offs
  • 3.63%Efficiency ratio
  • 66,491Assets per employee
  • 7.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.13%Loss allowance to noncurrent loans
  • 51.56%Noncurrent assets plus other real estate owned to assets
  • 2.75%Noncurrent loans to loans
  • 4.13%Net loans and leases to deposits
  • 80.58%Net loans and leases to core deposits
  • 84.89%Equity capital to assets
  • 11.89%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 13.24%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $875,352Average earning assets
  • $102,559Average equity
  • $794,787Average loans

List of branches

  • 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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