The Upstate National Bank in Lisbon, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Upstate National Bank - Overview

  • 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)

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
  • 25Total employees (full-time equivalent)
  • $65,064Total assets
  • $11,932Cash and due from depository institutions
  • $10,855Interest-bearing balances
  • $9,266Securities
  • $1,806Federal funds sold & reverse repurchase agreements
  • $40,408Net loans & leases
  • $1,171Loan loss allowance
  • $0Trading account assets
  • $482Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $65,064Life insurance assets
  • $1,170All other assets
  • $54,236Total liabilities and capital
  • $53,555Total liabilities
  • $40,004Total deposits
  • $53,555Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $681Subordinated debt
  • $10,828All other liabilities
  • $10,828Total equity capital
  • $10,828Total bank equity capital
  • $9,028Perpetual preferred stock
  • $89Common stock
  • $10,512Surplus
  • $-8,801Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $456Income earned, not collected on loans
  • $0Earning assets
  • $191Long-term assets (5+ years)
  • $62,335Average Assets, year-to-date
  • $8,960Average Assets, quarterly
  • $74,429Volatile liabilities
  • $69,058Insider loans
  • $40,367FHLB advances
  • $70,365Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,010Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,338Restructured Loans and leases
  • $23Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,062Total interest income
  • $416Total interest expense
  • $2,646Net interest income
  • $0Provision for loan and lease losses
  • $129Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • $61Additional noninterest income
  • $3,123Total noninterest expense
  • $1,615Salaries and employee benefits
  • $283Premises and equipment expense
  • $1,225Additional noninterest expense
  • -$348Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • -$356Income before extraordinary items
  • $0Extraordinary gains - net
  • -$356Net income attributable to bank
  • $0Net charge-offs
  • -$356Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.74%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • -0.48%Net operating income to assets
  • -0.48%Return on assets (ROA)
  • -0.47%Pretax return on assets
  • -3.22%Return on equity (ROE)
  • -3.22%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 112,541Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.82%Loss allowance to noncurrent loans
  • 256.80%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 75.45%Net loans and leases to core deposits
  • 77.63%Equity capital to assets
  • 16.64%Core capital (leverage) ratio
  • 15.65%Tier 1 risk-based capital ratio
  • 27.27%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $74,429Average earning assets
  • $11,065Average equity
  • $70,663Average loans

List of branches

  • 4 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08596The Upstate National Bank1 Main Street, Lisbon, NY 13658September 27, 1922Full Service Brick and Mortar
    2230140Philadelphia Branch77 Main Street, Philadelphia, NY 13673October 24, 1994Full Service Brick and Mortar
    3363295Harro-East BranchOne West Main Street, Rochester, NY 14614March 01, 2002Full Service Brick and Mortar
    4433193Rochester BranchOne West Main Street, Rochester, NY 14614June 01, 2003Limited Service Messenger

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