Vitals
  • Total Assets
    2.8B -2.8 %
  • Total Deposits
    1.8B -5.1 %
  • Total Net Loans
    1.5B -2.9 %
  • Net Income
    20.3M -44.9 %
  • Book Value
    261.6M -3.7 %
  • Book Value x2
    523.3M -3.7 %
  • Book Value x3
    784.9M -3.7 %
ROAA

.676

ROAE

7.528

Efficiency Ratio

50.227

Net Interest Margin

3.278

Balance Sheet Highlights
Financial Highlights Union State Bank All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 2,829,590 748,745
Total Net Loans 1,531,384 1,497,818
Total Deposits 1,803,556 570,614
Total Equity 261,757 81,775
Profitability
Net Income 20,255 32,584
Return on Average Assets .676 1.055
Return on Average Equity 7.528 9.042
Net Interest Margin 3.278 3.639
Efficiency Ratio 50.227 77.578
Noninterest Income/Revenue 3.548 66.115
Balance Sheet Ratios
Loan-to-Deposit 84.909 77.823
Securities/Assets .417 .867
Total Equity/Total Assets .093 .109
Tangible Equity/Tangible Assets .091 -.332
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 262,517 70,142
Tier 2 Capital 22,069 58,249
Total Capital 284,586 76,219
Total Risk Weighted Assets 1,754,674 502,544
Leverage Ratio 8.84 11.403
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.96 19.916
Total Capital Ratio 16.22 20.872

Timeline for Union State Bank

Keybank National Association

Union State Bank was acquired by Keybank National Association 16 years

View Profile Jan 18 2008

Keycorp

Keycorp became a new parent organization for Union State Bank.

View Profile Jan 01 2008

Reliance Bank

Acquisition: Union State Bank acquired a new subsidiary, Reliance Bank, 20 years

View Profile Mar 20 2004

Usb Delaware Inc.

Usb Delaware Inc. became a new subsidiary organization for Union State Bank.

View Profile Sep 12 2003

Tarrytowns Bank, Fsb

Acquisition: Union State Bank acquired a new subsidiary, Tarrytowns Bank, Fsb, 24 years

View Profile May 01 1999

Want to see more?

Complete timeline for Union State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Keybank National Association Buyer 101,264,880 Pooling of Interests Discontinued 1/18/2008
Reliance Bank Seller 28,637 Failure 3/20/2004
Tarrytowns Bank, Fsb Seller 156,851 Pooling of Interests Discontinued 5/1/1999
Relationships Role Relationship Start Relationship End
Keycorp Parent 1/1/2008 1/17/2008
U.S.B. Holding Co., Inc. Parent 1/11/1983 12/31/2007
Dutch Hill Realty Corp. Subsidary 6/30/2007 1/17/2008
U.S.B. Financial Services, Inc. Subsidary 6/30/2007 1/17/2008
Usb Delaware Inc. Subsidary 6/30/2007 1/17/2008
Dutch Hill Realty Corp. Subsidary 1/31/1998 6/29/2007
U.S.B. Financial Services, Inc. Subsidary 1/31/1998 6/29/2007
Usb Delaware Inc. Subsidary 9/12/2003 6/29/2007
Tpnz Preferred Funding Corporation Subsidary 5/1/1999 9/14/2003
U.S.B. Realty Corp. Subsidary 11/15/1996 10/29/1998
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