The Putnam County National Bank of Carmel in city_name, state_name

The Putnam County National Bank of Carmel in Carmel, New York (NY)
Show street view No street view available for this location

The Putnam County National Bank of Carmel routing number info

The Putnam County National Bank of Carmel - Overview

General
FDIC Certificate #: 6990
Status: Active
Federal Reserve ID: 287007
Date Established: January 01, 1865
WWW: http://www.pcnb.biz
Trust Powers Granted: Yes
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)
FDIC's unique #: 4680
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: 43 Gleneida Avenue, Carmel, NY 10512
County: Putnam
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: New York City
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): New York, NY (#5600)
Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
History of Changes
Change in Location
Financial Summary
Total assets: $160.4 mil
Equity capital: $41.5 mil
Deposits held in domestic offices: $118.1 mil
Return on assets (ROA): 0.27% ($0.4 mil)
Quarterly return on assets: 0.13% ($0.2 mil)
Return on Equity (ROE): 1.09% ($0.5 mil)
Quarterly return on equity: 0.51% ($0.2 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.46% ($737.7 mil)
Quarterly Pretax return on assets: 0.22% ($352.8 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
39Total employees (full-time equivalent)
$160,359Total assets
$33,267Cash and due from depository institutions
$30,770Interest-bearing balances
$24,405Securities
$0Federal funds sold & reverse repurchase agreements
$92,493Net loans & leases
$1,074Loan loss allowance
$0Trading account assets
$2,036Bank premises and fixed assets
$4,076Other real estate owned
$0Goodwill and other intangibles
$160,359Life insurance assets
$4,082All other assets
$118,853Total liabilities and capital
$118,118Total liabilities
$94,926Total deposits
$118,118Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$735Subordinated debt
$41,506All other liabilities
$41,506Total equity capital
$41,506Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,000Surplus
$39,506Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,934Income earned, not collected on loans
$0Earning assets
$692Long-term assets (5+ years)
$147,668Average Assets, year-to-date
$4,406Average Assets, quarterly
$164,356Volatile liabilities
$162,222Insider loans
$89,581FHLB advances
$161,888Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$40,490Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$852Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,087Total interest income
$706Total interest expense
$5,381Net interest income
$427Provision for loan and lease losses
$275Total noninterest income
$0Fiduciary activities
$161Service charges on deposit accounts
$0Trading account gains & fees
$114Additional noninterest income
$4,475Total noninterest expense
$2,227Salaries and employee benefits
$697Premises and equipment expense
$1,551Additional noninterest expense
$754Pre-tax net operating income
$0Securities gains (losses)
$303Applicable income taxes
$451Income before extraordinary items
$0Extraordinary gains - net
$451Net income attributable to bank
$0Net charge-offs
$451Cash dividends
$1,020Sale, conversion, retirement of capital stock, net
$400Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.00%Yield on earning assets
0.46%Cost of funding earning assets
3.54%Net interest margin
0.18%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
0.27%Net operating income to assets
0.27%Return on assets (ROA)
0.46%Pretax return on assets
1.09%Return on equity (ROE)
0.12%Retained earnings to average equity (YTD only)
1.07%Net charge-offs to loans
41.86%Credit loss provision to net charge-offs
1.16%Efficiency ratio
79,120Assets per employee
4.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.69%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
21.77%Noncurrent assets plus other real estate owned to assets
5.62%Noncurrent loans to loans
5.27%Net loans and leases to deposits
78.31%Net loans and leases to core deposits
80.81%Equity capital to assets
25.88%Core capital (leverage) ratio
25.01%Tier 1 risk-based capital ratio
45.20%Total risk-based capital ratio
Memoranda
$46Average assets
$164,356Average earning assets
$41,409Average equity
$152,198Average loans

List of branches

6 New York Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4680	The Putnam County National Bank Of C	43 Gleneida Avenue, Carmel, NY 10512	January 01, 1865	Full Service Brick and Mortar
1	213323	Lake Carmel Office	497 Route 52, Carmel, NY 10512	December 13, 1967	Full Service Brick and Mortar
2	213324	Putnam Plaza Office	1872 Route 6, Carmel, NY 10512	June 23, 1971	Full Service Brick and Mortar
3	213325	Croton Falls Office	12 Front Street, Croton Falls, NY 10519	July 24, 1972	Full Service Brick and Mortar
4	213326	Patterson Office	3061 Route 22, Patterson, NY 12563	September 07, 1973	Full Service Brick and Mortar
5	213327	Putnam Lake Office	89 Haviland Drive, Patterson, NY 12563	October 05, 1979	Full Service Brick and Mortar

The Putnam County National Bank of Carmel in Carmel, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Putnam County National Bank of Carmel - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Putnam County National Bank of Carmel in Carmel, New York (NY)Overview, Financial Summary, Detailed Financial Reports, Branches

The Putnam County National Bank of Carmel - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Putnam County National Bank of Carmel in Carmel, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches