The Roslyn Savings Bank in Roslyn, New York (NY)



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Table of contents:
The Roslyn Savings Bank
GeneralFDIC Certificate #: 16038
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: New York Community Bank (#16022)
Federal Reserve ID: 672612
Date Established: January 01, 1876
WWW: http://www.roslyn.com
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 40 (Interstate: No)
OTS Docket #: 7937
FDIC's unique #: 10266
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
FDIC Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: July 01, 1943
Last Structure Change Effective Date: October 31, 2003
Last Structure Change Process Date: December 10, 2003
Last Data Update: December 10, 2003
Data Source Date: April 05, 2012
LocationAddress: 1400 Old Northern Boulevard, Roslyn, NY 11576
County: Nassau
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): Nassau-Suffolk, NY (#5380)
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: Nassau-Suffolk, NY (#35004)
Financial SummaryTotal assets: $10,458.0 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, 2002)
(Dollar figures in thousands)
Total employees (full-time equivalent)780
Total assets$10,787,084
Cash and due from depository institutions$64,683
Interest-bearing balances$0
Securities$7,145,493
Federal funds sold & reverse repurchase agreements$91,500
Net loans & leases$3,125,537
Loan loss allowance $43,421
Trading account assets$0
Bank premises and fixed assets$39,558
Other real estate owned$717
Goodwill and other intangibles$1,946
All other assets$317,650
Life insurance assets$0
Total liabilities and capital$10,787,084
Total liabilities$10,194,350
Total deposits$5,793,179
Interest-bearing deposits$5,516,982
Deposits held in domestic offices$5,793,179
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $2,948,587
Trading liabilities$0
Other borrowed funds $1,382,634
Subordinated debt $0
All other liabilities $69,950
Total equity capital$592,734
Total bank equity capital$592,734
Perpetual preferred stock$592,734
Common stock$0
Surplus$205
Undivided profits $51,673
Memoranda
Noncurrent loans and leases $540,856
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,238,205
Income earned, not collected on loans $0
Earning assets $41,865
Long-term assets (5+ years) $3,597
Average Assets, year-to-date $49,390
Average Assets, quarterly $10,362,530
Volatile liabilities $3,086,614
Insider loans $9,731,272
FHLB advances $10,675,315
Loans and leases held for sale $3,711,638
Unused loan commitments $530
Tier 1 (core) risk-based capital $1,380,801
Tier 2 risk-based capital $0
Total risk weighted assets $11,636
Total unused commitments $1,238,205
Restructured Loans and leases $8,793
Derivatives$44,270
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Income and Expense (December 31, 2002)
(Dollar figures in thousands)
Total interest income $581,016
Total interest expense $316,718
Net interest income $264,298
Provision for loan and lease losses $3,000
Total noninterest income $27,686
Fiduciary activities $0
Service charges on deposit accounts $7,693
Trading account gains & fees $0
Additional noninterest income $19,993
Total noninterest expense $95,885
Salaries and employee benefits $51,552
Premises and equipment expense $13,228
Additional noninterest expense $31,105
Pre-tax net operating income $193,099
Securities gains (losses) $11,390
Applicable income taxes $71,478
Income before extraordinary items $133,011
Extraordinary gains - net $0
Net income attributable to bank $133,011
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $213
Net operating income $7,150
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Performance and Condition Ratios (December 31, 2002)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.24%
Cost of funding earning assets 3.40%
Net interest margin 2.84%
Noninterest income to earning assets 0.30%
Noninterest expense to earning assets 1.03%
Net operating income to assets 1.29%
Return on assets (ROA) 1.37%
Pretax return on assets 2.10%
Return on equity (ROE) 25.62%
Retained earnings to average equity (YTD only) 24.24%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 1408.45%
Efficiency ratio920.65%
Assets per employee$32,796
Cash dividends to net income (YTD only)13.83%
Condition Ratios (%)
Loss allowance to loans 5.38%
Loss allowance to noncurrent loans 1.37%
Noncurrent assets plus other real estate owned to assets 103.72%
Noncurrent loans to loans 0.39%
Net loans and leases to deposits1.32%
Net loans and leases to core deposits 53.95%
Equity capital to assets 62.05%
Core capital (leverage) ratio 5.49%
Tier 1 risk-based capital ratio 5.28%
Total risk-based capital ratio 12.24%
Memoranda
Average assets$13
Average earning assets$9,731,272
Average equity $519,129
Average loans $9,309,795
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