Vitals
  • Total Assets
    397.9M -5.6 %
  • Total Deposits
    334.0M 0.3 %
  • Total Net Loans
    195.5M 5.0 %
  • Net Income
    2.9M -34.3 %
  • Book Value
    38.9M 2.2 %
  • Book Value x2
    77.8M 2.2 %
  • Book Value x3
    116.7M 2.2 %
ROAA

.702

ROAE

7.605

Efficiency Ratio

69.408

Net Interest Margin

3.806

Balance Sheet Highlights
Financial Highlights City National Bank And Trust Company All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 397,937 884,594
Total Net Loans 195,484 4,912,345
Total Deposits 333,967 658,699
Total Equity 38,949 92,095
Profitability
Net Income 2,915 114,835
Return on Average Assets .702 1.015
Return on Average Equity 7.605 9.568
Net Interest Margin 3.806 3.805
Efficiency Ratio 69.408 68.173
Noninterest Income/Revenue 7.659 85.746
Balance Sheet Ratios
Loan-to-Deposit 58.534 70.675
Securities/Assets .396 1.99
Total Equity/Total Assets .098 .104
Tangible Equity/Tangible Assets .081 -1.727
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 33,464 78,253
Tier 2 Capital 2,409 244,218
Total Capital 35,873 84,713
Total Risk Weighted Assets 212,156 549,014
Leverage Ratio 8.44 11.176
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.77 20.6
Total Capital Ratio 16.91 21.597

Timeline for City National Bank And Trust Company

Nbt Bank, National Association

City National Bank And Trust Company was acquired by Nbt Bank, National Association 18 years

View Profile Feb 10 2006

Gloversville Federal Savings And Loan Association

Acquisition: City National Bank And Trust Company acquired a new subsidiary, Gloversville Federal Savings And Loan Association, 24 years

View Profile Jun 01 1999

Cnb Reit Corp.

Cnb Reit Corp. became a new subsidiary organization for City National Bank And Trust Company.

View Profile Feb 17 1999

Cnb Bancorp, Inc.

Cnb Bancorp, Inc. became a new parent organization for City National Bank And Trust Company.

View Profile Jan 03 1989

City National Bank And Trust Company

City National Bank And Trust Company was established 137 years ago and is currently headquartered in Gloversville, NY.

Jan 01 1887
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Nbt Bank, National Association Buyer 8,699,767 Acquisition Discontinued 2/10/2006
Gloversville Federal Savings And Loan Association Seller 66,518 Pooling of Interests Discontinued 6/1/1999
Relationships Role Relationship Start Relationship End
Cnb Bancorp, Inc. Parent 1/3/1989 2/9/2006
Cnb Reit Corp. Subsidary 2/17/1999 2/9/2006
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