The Stissing National Bank of Pine Plains in Pine Plains, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 2010

  • The Stissing National Bank of Pine Plains in Pine Plains, New York (NY)
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The Stissing National Bank of Pine Plains - Overview

  • General
  • FDIC Certificate #: 7251
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of Millbrook (#618)
    Federal Reserve ID: 738611
    Date Established: October 10, 1839
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 4775
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 01, 2010
    Last Structure Change Process Date: January 13, 2011
    Last Data Update: January 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2971 Church Street, Pine Plains, NY 12567
    County: Dutchess
    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): Dutchess County, NY (#2281)
    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): Poughkeepsie-Newburgh-Middletown, NY (#39100)
    CBSA Metro Statistical Area: Poughkeepsie-Newburgh-Middletown, NY (#39100)
  • Financial Summary
  • Total assets: $44.9 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, 2009)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $42,039Total assets
  • $2,250Cash and due from depository institutions
  • $100Interest-bearing balances
  • $8,127Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $29,749Net loans & leases
  • $184Loan loss allowance
  • $0Trading account assets
  • $1,095Bank premises and fixed assets
  • $99Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $719All other assets
  • $42,039Total liabilities and capital
  • $38,188Total liabilities
  • $37,527Total deposits
  • $24,265Interest-bearing deposits
  • $37,527Deposits held in domestic offices
  • 94.97%% insured (estimated)
  • $600Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $61All other liabilities
  • $3,851Total equity capital
  • $3,851Total bank equity capital
  • $3,851Perpetual preferred stock
  • $0Common stock
  • $210Surplus
  • $210Undivided profits
  • Memoranda
  • $3,431Noncurrent loans and leases
  • $3,421Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $259Earning assets
  • $0Long-term assets (5+ years)
  • $161Average Assets, year-to-date
  • $37,976Average Assets, quarterly
  • $9,135Volatile liabilities
  • $42,133Insider loans
  • $43,127FHLB advances
  • $3,558Loans and leases held for sale
  • $790Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $175Total risk weighted assets
  • $3,421Total unused commitments
  • $0Restructured Loans and leases
  • $204Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $1,794Total interest income
  • $185Total interest expense
  • $1,609Net interest income
  • $210Provision for loan and lease losses
  • $487Total noninterest income
  • $0Fiduciary activities
  • $258Service charges on deposit accounts
  • $0Trading account gains & fees
  • $229Additional noninterest income
  • $1,872Total noninterest expense
  • $978Salaries and employee benefits
  • $260Premises and equipment expense
  • $634Additional noninterest expense
  • $14Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $14Income before extraordinary items
  • $0Extraordinary gains - net
  • $14Net income attributable to bank
  • $0Net charge-offs
  • $14Cash dividends
  • $154Sale, conversion, retirement of capital stock, net
  • $226Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 4.18%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 4.86%Noninterest expense to earning assets
  • 0.03%Net operating income to assets
  • 0.03%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 0.35%Return on equity (ROE)
  • -5.33%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 136.36%Credit loss provision to net charge-offs
  • 1.45%Efficiency ratio
  • 89,313Assets per employee
  • 2.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1614.29%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 71.04%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 79.27%Net loans and leases to core deposits
  • 86.06%Equity capital to assets
  • 9.16%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $42,133Average earning assets
  • $3,979Average equity
  • $38,519Average loans

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