The Oneida Savings Bank in Oneida, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Oneida Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 330Total employees (full-time equivalent)
  • $664,055Total assets
  • $22,668Cash and due from depository institutions
  • $9,279Interest-bearing balances
  • $244,504Securities
  • $17,661Federal funds sold & reverse repurchase agreements
  • $286,083Net loans & leases
  • $2,899Loan loss allowance
  • $7,011Trading account assets
  • $21,327Bank premises and fixed assets
  • $190Other real estate owned
  • $25,469Goodwill and other intangibles
  • $664,055Life insurance assets
  • $39,142All other assets
  • $580,993Total liabilities and capital
  • $556,479Total liabilities
  • $532,738Total deposits
  • $556,479Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,199Trading liabilities
  • $0Other borrowed funds
  • $13,315Subordinated debt
  • $83,062All other liabilities
  • $83,003Total equity capital
  • $83,003Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $29,858Surplus
  • $53,145Undivided profits
  • Memoranda
  • $59Noncurrent loans and leases
  • $688Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,437Income earned, not collected on loans
  • $0Earning assets
  • $2,227Long-term assets (5+ years)
  • $564,538Average Assets, year-to-date
  • $260,099Average Assets, quarterly
  • $667,739Volatile liabilities
  • $671,027Insider loans
  • $409,975FHLB advances
  • $635,825Loans and leases held for sale
  • $16,978Unused loan commitments
  • $11,464Tier 1 (core) risk-based capital
  • $61,146Tier 2 risk-based capital
  • $98Total risk weighted assets
  • $5,416Total unused commitments
  • $71,842Restructured Loans and leases
  • $5,657Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,748Total interest income
  • $4,023Total interest expense
  • $19,725Net interest income
  • $1,050Provision for loan and lease losses
  • $24,552Total noninterest income
  • $298Fiduciary activities
  • $2,609Service charges on deposit accounts
  • $199Trading account gains & fees
  • $21,446Additional noninterest income
  • $34,876Total noninterest expense
  • $22,810Salaries and employee benefits
  • $3,451Premises and equipment expense
  • $8,615Additional noninterest expense
  • $8,351Pre-tax net operating income
  • $58Securities gains (losses)
  • $2,160Applicable income taxes
  • $6,249Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,057Net income attributable to bank
  • $192Net charge-offs
  • $6,249Cash dividends
  • $2,427Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.46%Net interest margin
  • 4.31%Noninterest income to earning assets
  • 6.12%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 7.74%Return on equity (ROE)
  • 7.74%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 43.26%Credit loss provision to net charge-offs
  • 3.87%Efficiency ratio
  • 77,885Assets per employee
  • 2.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 201.74%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 51.41%Net loans and leases to core deposits
  • 53.48%Equity capital to assets
  • 12.50%Core capital (leverage) ratio
  • 9.62%Tier 1 risk-based capital ratio
  • 14.91%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $667,739Average earning assets
  • $78,238Average equity
  • $570,230Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $59,741Managed Assets
  • 1Number of Accounts
  • $36,952Personal trust and agency accounts
  • $9,833Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,700Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $23,419Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 346Number of Accounts
  • $0Personal trust and agency accounts
  • $3,700Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $22,789Other retirement accounts
  • $0Corporate trust and agency accounts
  • $47Other fiduciary accounts
  • $22,376Fiduciary accounts held in foreign offices

List of branches

  • 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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