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

The National Union Bank of Kinderhook - Overview

  • General
  • FDIC Certificate #: 7128
    Status: Active
    Federal Reserve ID: 313401
    Bank Holding Company (Regulatory Top Holder): Kinderhook Bank Corp. (RSSDID: 2589732, Location: Kinderhook, NY)
    Date Established: October 01, 1853
    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)
    OTS Docket #: 16125
    FDIC's unique #: 4735
    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: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1 Hudson Street, Kinderhook, NY 12106
    County: Columbia
    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
    Combined Statistical Area (CSA): Albany-Schenectady-Amsterdam, NY (#104)
    Core Based Statistical Area (CBSA): Hudson, NY (#26460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $262.9 mil
    Equity capital: $29.3 mil
    Deposits held in domestic offices: $231.0 mil
    Return on assets (ROA): 0.89% ($2.3 mil)
    Quarterly return on assets: 0.68% ($1.8 mil)
    Return on Equity (ROE): 9.30% ($2.7 mil)
    Quarterly return on equity: 6.07% ($1.8 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.21% ($3,180.5 mil)
    Quarterly Pretax return on assets: 0.84% ($2,208.0 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
  • 63Total employees (full-time equivalent)
  • $262,853Total assets
  • $7,578Cash and due from depository institutions
  • $3,159Interest-bearing balances
  • $49,098Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $192,099Net loans & leases
  • $2,019Loan loss allowance
  • $0Trading account assets
  • $5,811Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $262,853Life insurance assets
  • $8,267All other assets
  • $233,508Total liabilities and capital
  • $230,996Total liabilities
  • $200,508Total deposits
  • $230,996Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 889.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,623Subordinated debt
  • $29,345All other liabilities
  • $29,288Total equity capital
  • $29,288Total bank equity capital
  • $0Perpetual preferred stock
  • $504Common stock
  • $14,500Surplus
  • $14,284Undivided profits
  • Memoranda
  • $57Noncurrent loans and leases
  • $339Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,506Income earned, not collected on loans
  • $0Earning assets
  • $916Long-term assets (5+ years)
  • $244,356Average Assets, year-to-date
  • $138,749Average Assets, quarterly
  • $256,141Volatile liabilities
  • $261,206Insider loans
  • $178,823FHLB advances
  • $261,526Loans and leases held for sale
  • $5,426Unused loan commitments
  • $548Tier 1 (core) risk-based capital
  • $28,177Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,878Total unused commitments
  • $38,179Restructured Loans and leases
  • $4,484Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,078Total interest income
  • $1,593Total interest expense
  • $9,485Net interest income
  • $435Provision for loan and lease losses
  • $1,628Total noninterest income
  • $0Fiduciary activities
  • $386Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,242Additional noninterest income
  • $7,681Total noninterest expense
  • $4,429Salaries and employee benefits
  • $1,054Premises and equipment expense
  • $2,198Additional noninterest expense
  • $2,997Pre-tax net operating income
  • $108Securities gains (losses)
  • $828Applicable income taxes
  • $2,277Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,277Net income attributable to bank
  • $0Net charge-offs
  • $2,277Cash dividends
  • -$46Sale, conversion, retirement of capital stock, net
  • $877Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 9.30%Return on equity (ROE)
  • 5.72%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -945.65%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,117Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.52%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 134.06%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 83.16%Net loans and leases to core deposits
  • 87.38%Equity capital to assets
  • 11.14%Core capital (leverage) ratio
  • 10.77%Tier 1 risk-based capital ratio
  • 15.76%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $256,141Average earning assets
  • $24,473Average equity
  • $238,389Average loans

Bank Assets Sold and Securitized (December 31, 2011)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $711-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $781Commercial and industrial loans
  • $4,675All other loans and all leases
  • Recoveries on Assets Sold and Securitized (included in principal balance and YTD only)
  • $711-4 family residential loans
  • $0>Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans
  • $0All other loans and all leases

List of branches

  • 6 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04735The National Union Bank Of Kinderhoo1 Hudson Street, Kinderhook, NY 12106October 01, 1853Full Service Brick and Mortar
    1213921Valatie BranchRoute 9, Valatie, NY 12184July 15, 1966Full Service Brick and Mortar
    2213922Chatham BranchMain Street And Hudson Avenue And Park Row, Chatham, NY 12037Febuary 09, 1998Full Service Brick and Mortar
    4364815Greenport Branch96 Union Turnpike, Hudson, NY 12534October 16, 2001Full Service Brick and Mortar
    5463524The National Union Bank Of Kinderhoo1 Hudson Street, Kinderhook, NY 12106April 25, 2007Limited Service Messenger
    6469110East Greenbush Branch567 Columbia Turnpike, East Greenbush, NY 12061October 11, 2007Full Service Brick and Mortar

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