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


The National Bank of Coxsackie - Overview

  • General
  • FDIC Certificate #: 7018
    Status: Active
    Federal Reserve ID: 234506
    Date Established: January 01, 1852
    WWW: http://www.intermonetary.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: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 4694
    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: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 3-7 Reed Street, Coxsackie, NY 12051
    County: Greene
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $206.4 mil
    Equity capital: $23.2 mil
    Deposits held in domestic offices: $182.4 mil
    Return on assets (ROA): 0.71% ($1.5 mil)
    Quarterly return on assets: 0.42% ($0.9 mil)
    Return on Equity (ROE): 6.20% ($1.4 mil)
    Quarterly return on equity: 3.70% ($0.9 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.89% ($1,837.3 mil)
    Quarterly Pretax return on assets: 0.30% ($619.3 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
  • 55Total employees (full-time equivalent)
  • $206,436Total assets
  • $14,135Cash and due from depository institutions
  • $10,356Interest-bearing balances
  • $68,340Securities
  • $7,536Federal funds sold & reverse repurchase agreements
  • $111,051Net loans & leases
  • $1,460Loan loss allowance
  • $0Trading account assets
  • $2,982Bank premises and fixed assets
  • $76Other real estate owned
  • $0Goodwill and other intangibles
  • $206,436Life insurance assets
  • $2,316All other assets
  • $183,265Total liabilities and capital
  • $182,414Total liabilities
  • $147,999Total deposits
  • $182,414Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $851Subordinated debt
  • $23,171All other liabilities
  • $23,171Total equity capital
  • $23,171Total bank equity capital
  • $0Perpetual preferred stock
  • $1,944Common stock
  • $12,014Surplus
  • $9,213Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,643Income earned, not collected on loans
  • $0Earning assets
  • $775Long-term assets (5+ years)
  • $197,283Average Assets, year-to-date
  • $70,405Average Assets, quarterly
  • $199,739Volatile liabilities
  • $206,587Insider loans
  • $123,109FHLB advances
  • $212,117Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,120Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,861Restructured Loans and leases
  • $3,036Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,026Total interest income
  • $1,006Total interest expense
  • $7,020Net interest income
  • $295Provision for loan and lease losses
  • $784Total noninterest income
  • $0Fiduciary activities
  • $388Service charges on deposit accounts
  • $0Trading account gains & fees
  • $396Additional noninterest income
  • $5,733Total noninterest expense
  • $3,162Salaries and employee benefits
  • $773Premises and equipment expense
  • $1,798Additional noninterest expense
  • $1,776Pre-tax net operating income
  • -$3Securities gains (losses)
  • $355Applicable income taxes
  • $1,418Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,418Net income attributable to bank
  • $0Net charge-offs
  • $1,418Cash dividends
  • $550Sale, conversion, retirement of capital stock, net
  • $1,128Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.22%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 6.20%Return on equity (ROE)
  • 1.27%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 53.64%Credit loss provision to net charge-offs
  • 3.77%Efficiency ratio
  • 73,462Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.55%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 88.86%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 60.88%Net loans and leases to core deposits
  • 65.52%Equity capital to assets
  • 11.22%Core capital (leverage) ratio
  • 10.43%Tier 1 risk-based capital ratio
  • 17.97%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $199,739Average earning assets
  • $22,874Average equity
  • $190,048Average loans

List of branches

  • 6 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04694The National Bank Of Coxsackie3-7 Reed Street, Coxsackie, NY 12051January 01, 1852Full Service Brick and Mortar
    1213386Greenville Branch6500 Rt 81, Greenville, NY 12083March 15, 1965Full Service Brick and Mortar
    2213387Drive-In BranchRoute 385, West Coxsackie, NY 12192May 05, 1975Full Service Brick and Mortar
    3213388Ravena BranchRoute 9w, Ravena, NY 12143September 25, 1976Full Service Brick and Mortar
    5213044Athens Branch1 North Washington Street, Athens, NY 12015May 09, 1955Full Service Brick and Mortar
    6453295Cairo Branch76 Main Street, Cairo, NY 12413May 13, 2006Full Service Brick and Mortar

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