The Pavilion State Bank in Le Roy, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 20, 2002

  • The Pavilion State Bank in Le Roy, New York (NY)
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The Pavilion State Bank - Overview

  • General
  • FDIC Certificate #: 8915
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: National Bank of Geneva (#7070)
    Federal Reserve ID: 173717
    Date Established: November 28, 1928
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 12909
    FDIC's unique #: 5696
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 20, 2002
    Last Structure Change Process Date: October 08, 2002
    Last Data Update: October 08, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 West Main Street, Le Roy, NY 14482
    County: Genesee
    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): Rochester, NY (#6840)
    Combined Statistical Area (CSA): Rochester-Batavia-Seneca Falls, NY (#464)
    Core Based Statistical Area (CBSA): Batavia, NY (#12860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $184.6 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, 2001)

  • Dollar figures in thousands
  • 66Total employees (full-time equivalent)
  • $177,000Total assets
  • $5,303Cash and due from depository institutions
  • $0Interest-bearing balances
  • $34,959Securities
  • $2,753Federal funds sold & reverse repurchase agreements
  • $129,151Net loans & leases
  • $2,134Loan loss allowance
  • $0Trading account assets
  • $1,354Bank premises and fixed assets
  • $100Other real estate owned
  • $111Goodwill and other intangibles
  • $0Life insurance assets
  • $3,269All other assets
  • $177,000Total liabilities and capital
  • $164,710Total liabilities
  • $144,813Total deposits
  • $117,024Interest-bearing deposits
  • $144,813Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,303Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $14,000Other borrowed funds
  • $0Subordinated debt
  • $1,594All other liabilities
  • $12,290Total equity capital
  • $12,290Total bank equity capital
  • $12,290Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $260Undivided profits
  • Memoranda
  • $11,630Noncurrent loans and leases
  • $22,535Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $975Earning assets
  • $166Long-term assets (5+ years)
  • $1,065Average Assets, year-to-date
  • $166,863Average Assets, quarterly
  • $53,325Volatile liabilities
  • $175,972Insider loans
  • $176,604FHLB advances
  • $26,706Loans and leases held for sale
  • $3,671Unused loan commitments
  • $14,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $452Total risk weighted assets
  • $22,535Total unused commitments
  • $194Restructured Loans and leases
  • $1,668Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $13,780Total interest income
  • $5,557Total interest expense
  • $8,223Net interest income
  • $676Provision for loan and lease losses
  • $1,848Total noninterest income
  • $10Fiduciary activities
  • $875Service charges on deposit accounts
  • $0Trading account gains & fees
  • $963Additional noninterest income
  • $5,626Total noninterest expense
  • $2,682Salaries and employee benefits
  • $643Premises and equipment expense
  • $2,301Additional noninterest expense
  • $3,769Pre-tax net operating income
  • $340Securities gains (losses)
  • $1,435Applicable income taxes
  • $2,674Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,674Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $393Sale, conversion, retirement of capital stock, net
  • $1,363Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.30%Yield on earning assets
  • 3.35%Cost of funding earning assets
  • 4.95%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 1.39%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 2.34%Pretax return on assets
  • 22.66%Return on equity (ROE)
  • 11.11%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 172.01%Credit loss provision to net charge-offs
  • 11.31%Efficiency ratio
  • 55,863Assets per employee
  • 2.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.97%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 218.87%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 89.18%Net loans and leases to core deposits
  • 104.65%Equity capital to assets
  • 6.94%Core capital (leverage) ratio
  • 7.02%Tier 1 risk-based capital ratio
  • 9.14%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $175,972Average earning assets
  • $11,803Average equity
  • $166,068Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,610Managed Assets
  • 1Number of Accounts
  • $2,610Personal trust and agency accounts
  • $2,357Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $253Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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