The Upstate National Bank in Lisbon, New York (NY)
| The Upstate National Bank | |
|---|---|
| General | FDIC Certificate #: 13748 Status: Active Federal Reserve ID: 313009 Bank Holding Company (Regulatory Top Holder): K & Z Company Llc, The (RSSDID: 2691185, Location: Brooklyn, NY) Date Established: September 27, 1922 WWW: http://www.upstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Domestic: 5, Interstate: No) OTS Docket #: 14005 FDIC's unique #: 8596 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 24, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012 |
| Location | Address: 1 Main Street, Lisbon, NY 13658 County: St. Lawrence 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 Core Based Statistical Area (CBSA): Ogdensburg-Massena, NY (#36300) CBSA Micro Statistical Area: Yes |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $65.1 mil Equity capital: $10.8 mil Deposits held in domestic offices: $53.6 mil Return on assets (ROA): -0.48% (-$0.3 mil) Quarterly return on assets: -0.87% (-$0.6 mil) Return on Equity (ROE): -3.22% (-$0.4 mil) Quarterly return on equity: -5.47% (-$0.6 mil) Net income: -$0.4 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.47% (-$305.8 mil) Quarterly Pretax return on assets: -0.85% (-$553.0 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 25 |
| Total assets | $65,064 |
| Cash and due from depository institutions | $11,932 |
| Interest-bearing balances | $10,855 |
| Securities | $9,266 |
| Federal funds sold & reverse repurchase agreements | $1,806 |
| Net loans & leases | $40,408 |
| Loan loss allowance | $1,171 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $482 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,170 |
| Life insurance assets | $65,064 |
| Total liabilities and capital | $54,236 |
| Total liabilities | $53,555 |
| Total deposits | $40,004 |
| Interest-bearing deposits | $53,555 |
| Deposits held in domestic offices | $97 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $681 |
| All other liabilities | $10,828 |
| Total equity capital | $10,828 |
| Total bank equity capital | $10,828 |
| Perpetual preferred stock | $9,028 |
| Common stock | $89 |
| Surplus | $10,512 |
| Undivided profits | $-8,801 |
| 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 | $456 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $191 |
| Average Assets, year-to-date | $62,335 |
| Average Assets, quarterly | $8,960 |
| Volatile liabilities | $74,429 |
| Insider loans | $69,058 |
| FHLB advances | $40,367 |
| Loans and leases held for sale | $70,365 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $11,010 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $4,338 |
| Derivatives | $23 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,062 |
| Total interest expense | $416 |
| Net interest income | $2,646 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $129 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $68 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $61 |
| Total noninterest expense | $3,123 |
| Salaries and employee benefits | $1,615 |
| Premises and equipment expense | $283 |
| Additional noninterest expense | $1,225 |
| Pre-tax net operating income | -$348 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $8 |
| Income before extraordinary items | -$356 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$356 |
| Net charge-offs | $0 |
| Cash dividends | -$356 |
| Sale, conversion, retirement of capital stock, net | -$10 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.33% |
| Cost of funding earning assets | 0.59% |
| Net interest margin | 3.74% |
| Noninterest income to earning assets | 0.18% |
| Noninterest expense to earning assets | 4.42% |
| Net operating income to assets | -0.48% |
| Return on assets (ROA) | -0.48% |
| Pretax return on assets | -0.47% |
| Return on equity (ROE) | -3.22% |
| Retained earnings to average equity (YTD only) | -3.22% |
| Net charge-offs to loans | -0.02% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 0.00% |
| Assets per employee | $112,541 |
| Cash dividends to net income (YTD only) | 2.60% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.82% |
| Noncurrent assets plus other real estate owned to assets | 256.80% |
| Noncurrent loans to loans | 0.70% |
| Net loans and leases to deposits | 1.10% |
| Net loans and leases to core deposits | 75.45% |
| Equity capital to assets | 77.63% |
| Core capital (leverage) ratio | 16.64% |
| Tier 1 risk-based capital ratio | 15.65% |
| Total risk-based capital ratio | 27.27% |
| Memoranda | |
| Average assets | $29 |
| Average earning assets | $74,429 |
| Average equity | $11,065 |
| Average loans | $70,663 |
| 4 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 8596 | The Upstate National Bank | 1 Main Street, Lisbon, NY 13658 | September 27, 1922 | Full Service Brick and Mortar |  |
| 2 | 230140 | Philadelphia Branch | 77 Main Street, Philadelphia, NY 13673 | October 24, 1994 | Full Service Brick and Mortar |  |
| 3 | 363295 | Harro-East Branch | One West Main Street, Rochester, NY 14614 | March 01, 2002 | Full Service Brick and Mortar | |
| 4 | 433193 | Rochester Branch | One West Main Street, Rochester, NY 14614 | June 01, 2003 | Limited Service Messenger | |
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