The Oneida Savings Bank in Oneida, New York (NY)
Other nearby banks:
Show street view
No street view available for this location
The Oneida Savings Bank routing number info
Table of contents:
| The Oneida Savings Bank | |
|---|---|
| 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.16% |
| 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 ratio | 3.87% |
| 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 deposits | 0.50% |
| 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 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $59,741 |
| Number of Accounts | 1 |
| 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 Accounts | 346 |
| 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 |
| 13 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 10206 | The Oneida Savings Bank | 182 Main Street, Oneida, NY 13421 | April 01, 1866 | Full Service Brick and Mortar |  |
| 1 | 236307 | Cazenovia Branch | 48 Albany Street, Cazenovia, NY 13035 | September 25, 1972 | Full Service Brick and Mortar |  |
| 2 | 236308 | Hamilton Branch | Broad And Hamilton Streets, Hamilton, NY 13346 | December 06, 1976 | Full Service Brick and Mortar | |
| 3 | 236309 | Convenience Branch | 585 Main Street, Oneida, NY 13421 | December 08, 1988 | Full Service Brick and Mortar | |
| 4 | 236310 | Camden Branch | 41 Harden Boulevard, Camden, NY 13316 | December 03, 1997 | Full Service Brick and Mortar | |
| 5 | 357348 | Canastota Branch | 104 South Peterboro Street, Canastota, NY 13032 | November 15, 1999 | Full Service Brick and Mortar | |
| 6 | 358526 | Cicero Branch | Bridgeport Plaza, Routes 298 And Route 31, Bridgeport, NY 13030 | October 30, 2000 | Full Service Brick and Mortar | |
| 7 | 363780 | Chittenango Branch | 519 Genesee Street, Chittenango, NY 13037 | June 01, 2002 | Full Service Brick and Mortar | |
| 8 | 430179 | State Bank Of Chittenango Municipal | 182 Main Street, Oneida, NY 13421 | May 31, 2002 | Full Service Brick and Mortar | |
| 9 | 215237 | Westmoreland Branch | 4675 State Route 233, Westmoreland, NY 13490 | March 04, 1991 | Full Service Brick and Mortar | |
| 11 | 463477 | Vernon Branch | 5238 West Seneca Street, Vernon, NY 13476 | April 02, 2007 | Full Service Brick and Mortar | |
| 13 | 466698 | Griffiss Park Office Branch | 160 Brooks Rd., Rome, NY 13441 | April 03, 2007 | Full Service Brick and Mortar | |
| 14 | 526564 | Turin Road | 7812 Turin Road, Rome, NY 13440 | November 03, 2011 | Full Service Brick and Mortar | |
User Contributions:
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Oneida Savings Bank.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.