Vitals
  • Total Assets
    2.2B 1.4 %
  • Total Deposits
    1.6B 3.4 %
  • Total Net Loans
    1.3B -1.7 %
  • Net Income
    11.1M 10.6 %
  • Book Value
    180.1M 7.2 %
  • Book Value x2
    360.1M 7.2 %
  • Book Value x3
    540.2M 7.2 %
ROAA

1.005

ROAE

12.353

Efficiency Ratio

55.182

Net Interest Margin

3.434

Balance Sheet Highlights
Financial Highlights Bsb Bank & Trust Company All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 2,186,049 999,689
Total Net Loans 1,347,992 6,381,856
Total Deposits 1,553,940 696,486
Total Equity 180,060 98,687
Profitability
Net Income 11,072 64,953
Return on Average Assets 1.005 .981
Return on Average Equity 12.353 9.604
Net Interest Margin 3.434 3.678
Efficiency Ratio 55.182 67.073
Noninterest Income/Revenue 10.482 90.334
Balance Sheet Ratios
Loan-to-Deposit 86.747 67.033
Securities/Assets .314 2.194
Total Equity/Total Assets .082 .099
Tangible Equity/Tangible Assets .082 -.91
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 182,317 80,497
Tier 2 Capital 18,699 367,178
Total Capital 201,016 87,458
Total Risk Weighted Assets 1,464,616 592,203
Leverage Ratio 8.25 9.879
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.45 18.26
Total Capital Ratio 13.72 19.37

Timeline for Bsb Bank & Trust Company

Partners Trust Bank

Bsb Bank & Trust Company was acquired by Partners Trust Bank 19 years

View Profile Jul 15 2004

Commonfund 7320 East Genesee Street, Llc

Commonfund 7320 East Genesee Street, Llc became a new subsidiary organization for Bsb Bank & Trust Company.

View Profile Apr 06 2001

Skaneateles Savings Bank

Acquisition: Bsb Bank & Trust Company acquired a new subsidiary, Skaneateles Savings Bank, 24 years

View Profile Jul 01 1999

Bsb Preferred Capital Corporation

Bsb Preferred Capital Corporation became a new subsidiary organization for Bsb Bank & Trust Company.

View Profile Jul 01 1999

Bsb Newpro, Inc.

Bsb Newpro, Inc. became a new subsidiary organization for Bsb Bank & Trust Company.

View Profile Jun 24 1997

Want to see more?

Complete timeline for Bsb Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Partners Trust Bank Buyer 3,625,465 Discontinued 7/15/2004
Skaneateles Savings Bank Seller 272,650 Pooling of Interests Discontinued 7/1/1999
Columbia Banking Federal Savings Association Seller 646,294 Failure 6/4/1994
Relationships Role Relationship Start Relationship End
Bsb Bancorp, Inc. Parent 10/3/1988 7/14/2004
Bsb Mortgage Corporation Subsidary 10/3/1988 7/14/2004
B-Save Corporation Subsidary 10/3/1988 7/14/2004
Bsb Financial Services, Inc. Subsidary 8/19/1996 7/14/2004
Bsb Preferred Capital Corporation Subsidary 7/1/1999 7/14/2004
Bsb Newpro, Inc. Subsidary 6/24/1997 8/31/2001
Commonfund 7320 East Genesee Street, Llc Subsidary 4/6/2001 5/18/2001
Bsb - Insurance Agengy Subsidary 10/3/1988 11/29/1988
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