The Oneida Savings Bank in Oneida, New York (NY)



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The Oneida Savings Bank routing number info

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The Oneida Savings Bank
GeneralFDIC Certificate #: 15975
Status: Active
Federal Reserve ID: 723710
Date Established: April 01, 1866
WWW: http://www.oneidabank.com
Trust Powers Granted: Yes
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 13 (Domestic: 13, Interstate: No)
FDIC's unique #: 10206
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: July 01, 1943
Last Structure Change Effective Date: April 02, 2007
Last Structure Change Process Date: June 04, 2007
Last Data Update: June 04, 2007
Data Source Date: April 05, 2012
LocationAddress: 182 Main Street, Oneida, NY 13421
County: Madison
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
Metropolitan Statistical Area (MSA): Syracuse, NY (#8160)
Combined Statistical Area (CSA): Syracuse-Auburn, NY (#532)
Core Based Statistical Area (CBSA): Syracuse, NY (#45060)
CBSA Metro Statistical Area: Syracuse, NY (#45060)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $664.1 mil
Equity capital: $83.0 mil
Deposits held in domestic offices: $556.5 mil
Return on assets (ROA): 0.91% ($6.0 mil)
Quarterly return on assets: 1.03% ($6.8 mil)
Return on Equity (ROE): 7.74% ($6.4 mil)
Quarterly return on equity: 8.38% ($7.0 mil)
Net income: $6.1 mil
Quarterly Net income: $1.7 mil
Pretax return on assets: 1.23% ($8,167.9 mil)
Quarterly Pretax return on assets: 1.41% ($9,363.2 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)330
Total assets$664,055
Cash and due from depository institutions$22,668
Interest-bearing balances$9,279
Securities$244,504
Federal funds sold & reverse repurchase agreements$17,661
Net loans & leases$286,083
Loan loss allowance $2,899
Trading account assets$7,011
Bank premises and fixed assets$21,327
Other real estate owned$190
Goodwill and other intangibles$25,469
All other assets$39,142
Life insurance assets$664,055
Total liabilities and capital$580,993
Total liabilities$556,479
Total deposits$532,738
Interest-bearing deposits$556,479
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,199
Other borrowed funds $0
Subordinated debt $13,315
All other liabilities $83,062
Total equity capital$83,003
Total bank equity capital$83,003
Perpetual preferred stock$0
Common stock$0
Surplus$29,858
Undivided profits $53,145
Memoranda
Noncurrent loans and leases $59
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $688
Income earned, not collected on loans $1,437
Earning assets $0
Long-term assets (5+ years) $2,227
Average Assets, year-to-date $564,538
Average Assets, quarterly $260,099
Volatile liabilities $667,739
Insider loans $671,027
FHLB advances $409,975
Loans and leases held for sale $635,825
Unused loan commitments $16,978
Tier 1 (core) risk-based capital $11,464
Tier 2 risk-based capital $61,146
Total risk weighted assets $98
Total unused commitments $5,416
Restructured Loans and leases $71,842
Derivatives$5,657
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $23,748
Total interest expense $4,023
Net interest income $19,725
Provision for loan and lease losses $1,050
Total noninterest income $24,552
Fiduciary activities $298
Service charges on deposit accounts $2,609
Trading account gains & fees $199
Additional noninterest income $21,446
Total noninterest expense $34,876
Salaries and employee benefits $22,810
Premises and equipment expense $3,451
Additional noninterest expense $8,615
Pre-tax net operating income $8,351
Securities gains (losses) $58
Applicable income taxes $2,160
Income before extraordinary items $6,249
Extraordinary gains - net $0
Net income attributable to bank $6,057
Net charge-offs $192
Cash dividends $6,249
Sale, conversion, retirement of capital stock, net $2,427
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.16%
Cost of funding earning assets 0.71%
Net interest margin 3.46%
Noninterest income to earning assets 4.31%
Noninterest expense to earning assets 6.12%
Net operating income to assets 0.93%
Return on assets (ROA) 0.91%
Pretax return on assets 1.23%
Return on equity (ROE) 7.74%
Retained earnings to average equity (YTD only) 7.74%
Net charge-offs to loans 0.84%
Credit loss provision to net charge-offs 43.26%
Efficiency ratio3.87%
Assets per employee$77,885
Cash dividends to net income (YTD only)2.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.00%
Noncurrent assets plus other real estate owned to assets 201.74%
Noncurrent loans to loans 0.79%
Net loans and leases to deposits0.50%
Net loans and leases to core deposits 51.41%
Equity capital to assets 53.48%
Core capital (leverage) ratio 12.50%
Tier 1 risk-based capital ratio 9.62%
Total risk-based capital ratio 14.91%
Memoranda
Average assets$16
Average earning assets$667,739
Average equity $78,238
Average loans $570,230
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$59,741
Number of Accounts1
Personal trust and agency accounts$36,952
Employee benefit-defined contribution accounts$9,833
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$3,700
Investment management agency accounts$0
Other fiduciary accounts$23,419
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts346
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,700
Employee benefit-defined benefit accounts$0
Other retirement accounts$22,789
Corporate trust and agency accounts$0
Other fiduciary accounts$47
Fiduciary accounts held in foreign offices$22,376
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13 New York Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010206The Oneida Savings Bank182 Main Street, Oneida, NY 13421April 01, 1866Full Service Brick and Mortar
1236307Cazenovia Branch48 Albany Street, Cazenovia, NY 13035September 25, 1972Full Service Brick and Mortar
2236308Hamilton BranchBroad And Hamilton Streets, Hamilton, NY 13346December 06, 1976Full Service Brick and Mortar
3236309Convenience Branch585 Main Street, Oneida, NY 13421December 08, 1988Full Service Brick and Mortar
4236310Camden Branch41 Harden Boulevard, Camden, NY 13316December 03, 1997Full Service Brick and Mortar
5357348Canastota Branch104 South Peterboro Street, Canastota, NY 13032November 15, 1999Full Service Brick and Mortar
6358526Cicero BranchBridgeport Plaza, Routes 298 And Route 31, Bridgeport, NY 13030October 30, 2000Full Service Brick and Mortar
7363780Chittenango Branch519 Genesee Street, Chittenango, NY 13037June 01, 2002Full Service Brick and Mortar
8430179State Bank Of Chittenango Municipal182 Main Street, Oneida, NY 13421May 31, 2002Full Service Brick and Mortar
9215237Westmoreland Branch4675 State Route 233, Westmoreland, NY 13490March 04, 1991Full Service Brick and Mortar
11463477Vernon Branch5238 West Seneca Street, Vernon, NY 13476April 02, 2007Full Service Brick and Mortar
13466698Griffiss Park Office Branch160 Brooks Rd., Rome, NY 13441April 03, 2007Full Service Brick and Mortar
14526564Turin Road7812 Turin Road, Rome, NY 13440November 03, 2011Full Service Brick and Mortar
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