4.02%Cash dividends to net income (YTD only).154.61%Credit loss provision to net charge-offs.6.77%Retained earnings to average equity (YTD only).3.33%Noninterest expense to earning assets.0.55%Noninterest income to earning assets.$4,731Income earned, not collected on loans.$0Noncurrent loans that are wholly or partially guaranteed by the U.S.$0Federal funds purchased & repurchase agreements.$0Federal funds sold & reverse repurchase agreements.$12,021Cash and due from depository institutions.110Total employees (full-time equivalent).Total assets: $442.7 mil Equity capital: $41.2 mil Deposits held in domestic offices: $368.7 mil Return on assets (ROA): 0.61% ($2.7 mil) Quarterly return on assets: 0.47% ($2.1 mil) Return on Equity (ROE): 6.77% ($2.8 mil) Quarterly return on equity: 4.80% ($2.0 mil) Net income: $2.6 mil Quarterly Net income: $0.5 mil Pretax return on assets: 0.89% ($3,939.6 mil) Quarterly Pretax return on assets: 0.69% ($3,054.3 mil).Address: 214 West First Street, Oswego, NY 13126 County: Oswego 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): Syracuse, NY (#8160) Combined Statistical Area (CSA): Syracuse-Auburn, NY (#532) Core Based Statistical Area (CBSA): Syracuse, NY (#45060) CBSA Metro Statistical Area: Syracuse, NY (#45060).FDIC Certificate #: 15977 Status: Active Federal Reserve ID: 729310 Date Established: WWW: Trust Powers Granted: Yes Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 8 (Domestic: 8, Interstate: No) OTS Docket #: 14133 FDIC's unique #: 10208 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: JLast Structure Change Effective Date: MaLast Structure Change Process Date: NovemLast Data Update: NovemData Source Date: April 05, 2012.
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