The National Bank of Coxsackie in Coxsackie, New York (NY)



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The National Bank of Coxsackie routing number info

Table of contents:
The National Bank of Coxsackie
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)55
Total assets$206,436
Cash and due from depository institutions$14,135
Interest-bearing balances$10,356
Securities$68,340
Federal funds sold & reverse repurchase agreements$7,536
Net loans & leases$111,051
Loan loss allowance $1,460
Trading account assets$0
Bank premises and fixed assets$2,982
Other real estate owned$76
Goodwill and other intangibles$0
All other assets$2,316
Life insurance assets$206,436
Total liabilities and capital$183,265
Total liabilities$182,414
Total deposits$147,999
Interest-bearing deposits$182,414
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $851
All other liabilities $23,171
Total equity capital$23,171
Total bank equity capital$23,171
Perpetual preferred stock$0
Common stock$1,944
Surplus$12,014
Undivided profits $9,213
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,643
Earning assets $0
Long-term assets (5+ years) $775
Average Assets, year-to-date $197,283
Average Assets, quarterly $70,405
Volatile liabilities $199,739
Insider loans $206,587
FHLB advances $123,109
Loans and leases held for sale $212,117
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $22,120
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,861
Derivatives$3,036
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,026
Total interest expense $1,006
Net interest income $7,020
Provision for loan and lease losses $295
Total noninterest income $784
Fiduciary activities $0
Service charges on deposit accounts $388
Trading account gains & fees $0
Additional noninterest income $396
Total noninterest expense $5,733
Salaries and employee benefits $3,162
Premises and equipment expense $773
Additional noninterest expense $1,798
Pre-tax net operating income $1,776
Securities gains (losses) -$3
Applicable income taxes $355
Income before extraordinary items $1,418
Extraordinary gains - net $0
Net income attributable to bank $1,418
Net charge-offs $0
Cash dividends $1,418
Sale, conversion, retirement of capital stock, net $550
Net operating income $1,128
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.22%
Cost of funding earning assets 0.53%
Net interest margin 3.69%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 3.02%
Net operating income to assets 0.71%
Return on assets (ROA) 0.71%
Pretax return on assets 0.89%
Return on equity (ROE) 6.20%
Retained earnings to average equity (YTD only) 1.27%
Net charge-offs to loans 0.49%
Credit loss provision to net charge-offs 53.64%
Efficiency ratio3.77%
Assets per employee$73,462
Cash dividends to net income (YTD only)3.75%
Condition Ratios (%)
Loss allowance to loans 79.55%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 88.86%
Noncurrent loans to loans 0.83%
Net loans and leases to deposits1.46%
Net loans and leases to core deposits 60.88%
Equity capital to assets 65.52%
Core capital (leverage) ratio 11.22%
Tier 1 risk-based capital ratio 10.43%
Total risk-based capital ratio 17.97%
Memoranda
Average assets$19
Average earning assets$199,739
Average equity $22,874
Average loans $190,048
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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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