The Putnam County National Bank of Carmel in Carmel, New York (NY)
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The Putnam County National Bank of Carmel routing number info
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| The Putnam County National Bank of Carmel | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 39 |
| Total assets | $160,359 |
| Cash and due from depository institutions | $33,267 |
| Interest-bearing balances | $30,770 |
| Securities | $24,405 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $92,493 |
| Loan loss allowance | $1,074 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,036 |
| Other real estate owned | $4,076 |
| Goodwill and other intangibles | $0 |
| All other assets | $4,082 |
| Life insurance assets | $160,359 |
| Total liabilities and capital | $118,853 |
| Total liabilities | $118,118 |
| Total deposits | $94,926 |
| Interest-bearing deposits | $118,118 |
| Deposits held in domestic offices | $88 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $735 |
| All other liabilities | $41,506 |
| Total equity capital | $41,506 |
| Total bank equity capital | $41,506 |
| Perpetual preferred stock | $0 |
| Common stock | $1,000 |
| Surplus | $1,000 |
| Undivided profits | $39,506 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $4,934 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $692 |
| Average Assets, year-to-date | $147,668 |
| Average Assets, quarterly | $4,406 |
| Volatile liabilities | $164,356 |
| Insider loans | $162,222 |
| FHLB advances | $89,581 |
| Loans and leases held for sale | $161,888 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $40,490 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $852 |
| Derivatives | $0 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $6,087 |
| Total interest expense | $706 |
| Net interest income | $5,381 |
| Provision for loan and lease losses | $427 |
| Total noninterest income | $275 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $161 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $114 |
| Total noninterest expense | $4,475 |
| Salaries and employee benefits | $2,227 |
| Premises and equipment expense | $697 |
| Additional noninterest expense | $1,551 |
| Pre-tax net operating income | $754 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $303 |
| Income before extraordinary items | $451 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $451 |
| Net charge-offs | $0 |
| Cash dividends | $451 |
| Sale, conversion, retirement of capital stock, net | $1,020 |
| Net operating income | $400 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.00% |
| Cost of funding earning assets | 0.46% |
| Net interest margin | 3.54% |
| Noninterest income to earning assets | 0.18% |
| Noninterest expense to earning assets | 2.94% |
| Net operating income to assets | 0.27% |
| Return on assets (ROA) | 0.27% |
| Pretax return on assets | 0.46% |
| Return on equity (ROE) | 1.09% |
| Retained earnings to average equity (YTD only) | 0.12% |
| Net charge-offs to loans | 1.07% |
| Credit loss provision to net charge-offs | 41.86% |
| Efficiency ratio | 1.16% |
| Assets per employee | $79,120 |
| Cash dividends to net income (YTD only) | 4.11% |
| Condition Ratios (%) | |
| Loss allowance to loans | 88.69% |
| Loss allowance to noncurrent loans | 1.15% |
| Noncurrent assets plus other real estate owned to assets | 21.77% |
| Noncurrent loans to loans | 5.62% |
| Net loans and leases to deposits | 5.27% |
| Net loans and leases to core deposits | 78.31% |
| Equity capital to assets | 80.81% |
| Core capital (leverage) ratio | 25.88% |
| Tier 1 risk-based capital ratio | 25.01% |
| Total risk-based capital ratio | 45.20% |
| Memoranda | |
| Average assets | $46 |
| Average earning assets | $164,356 |
| Average equity | $41,409 |
| Average loans | $152,198 |
| 6 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 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 | |
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