401k Plan data: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK plan

THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 401k Plan overview

Plan Name	THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK
Plan identification number	001

THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK Benefits

401k Plan Type

Defined Benefit Pension

Plan Features/Benefits

Benefits are primarily pay related
Cash balance or similar plan - Plan has a "cash balance" formula. For this purpose, a "cash balance" formula is a benefit formula in a defined benefit plan by whatever name (for example, personal account plan, pension equity plan, life cycle plan, cash account plan, etc.) that rather than, or in addition to, expressing the accrued benefit as a life annuity commencing at normal retirement age, defines benefits for each employee in terms more common to a defined contribution plan such as a single sum distribution amount (for example, 10 percent of final average pay times years of service, or the amount of the employee's hypothetical account balance).
Covered by PBGC - Plan is covered under the PBGC insurance program (see ERISA section 4021).
Plan covered by PBGC that was terminated and closed out for PBGC purposes - Before the end of the plan year (or a prior plan year), (1) the plan terminated in a standard (or distress) termination and completed the distribution of plan assets in satisfaction of all benefit liabilities (or all ERISA Title IV benefits for distress termination); or (2) a trustee was appointed for a terminated plan pursuant to ERISA section 4042.
Frozen Plan - As of the last day of the plan year, the plan provides that no participant will get any new benefit accrual (whether because of service or compensation).

401k Sponsoring company profile

ONEIDA SAVINGS BANK has sponsored the creation of one or more 401k plans.

Company Name: ONEIDA SAVINGS BANK

Employer identification number (EIN): 150405820

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about ONEIDA SAVINGS BANK

Jurisdiction of Incorporation: Vermont Secretary of State Corporations Division

Incorporation Date: 2004-03-31

Company Identification Number: 78339

Legal Registered Office Address: 209 BATTERY STREET

BURLINGTON
United States of America (USA)
05401

More information about ONEIDA SAVINGS BANK

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2014-01-01 ERIC STICKELS ERIC STICKELS 2015-10-14
001 2013-01-01 ERIC STICKELS ERIC STICKELS 2014-10-15
001 2012-01-01 ERIC STICKELS ERIC STICKELS 2013-10-11
001 2011-01-01 ERIC STICKELS ERIC STICKELS 2012-10-02
001 2010-01-01 ERIC STICKELS ERIC STICKELS 2011-09-29
001 2009-01-01 ERIC STICKELS ERIC STICKELS 2010-10-04

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2014-01-01	ERIC STICKELS	ERIC STICKELS	2015-10-14
001	2013-01-01	ERIC STICKELS	ERIC STICKELS	2014-10-15
001	2012-01-01	ERIC STICKELS	ERIC STICKELS	2013-10-11
001	2011-01-01	ERIC STICKELS	ERIC STICKELS	2012-10-02
001	2010-01-01	ERIC STICKELS	ERIC STICKELS	2011-09-29
001	2009-01-01	ERIC STICKELS	ERIC STICKELS	2010-10-04

Plan Statistics for THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK

401k plan membership statisitcs for THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK

Measure Date Value
2014: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2014 401k membership
Total participants, beginning-of-year 2014-01-01 143
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 0
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 0
Total of all active and inactive participants 2014-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2013 401k membership
Total participants, beginning-of-year 2013-01-01 152
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 90
Number of retired or separated participants receiving benefits 2013-01-01 21
Number of other retired or separated participants entitled to future benefits 2013-01-01 32
Total of all active and inactive participants 2013-01-01 143
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0
2012: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2012 401k membership
Total participants, beginning-of-year 2012-01-01 157
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 95
Number of retired or separated participants receiving benefits 2012-01-01 20
Number of other retired or separated participants entitled to future benefits 2012-01-01 36
Total of all active and inactive participants 2012-01-01 151
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 1
Total participants 2012-01-01 152
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 0
2011: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2011 401k membership
Total participants, beginning-of-year 2011-01-01 163
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 106
Number of retired or separated participants receiving benefits 2011-01-01 15
Number of other retired or separated participants entitled to future benefits 2011-01-01 36
Total of all active and inactive participants 2011-01-01 157
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 0
2010: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2010 401k membership
Total participants, beginning-of-year 2010-01-01 173
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 109
Number of retired or separated participants receiving benefits 2010-01-01 16
Number of other retired or separated participants entitled to future benefits 2010-01-01 38
Total of all active and inactive participants 2010-01-01 163
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 163
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 0
2009: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2009 401k membership
Total participants, beginning-of-year 2009-01-01 183
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 116
Number of retired or separated participants receiving benefits 2009-01-01 15
Number of other retired or separated participants entitled to future benefits 2009-01-01 41
Total of all active and inactive participants 2009-01-01 172
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 1
Total participants 2009-01-01 173
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 0

Measure	Date	Value
2014: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2014 401k membership
Total participants, beginning-of-year	2014-01-01	143
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	0
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	0
Total of all active and inactive participants	2014-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2013 401k membership
Total participants, beginning-of-year	2013-01-01	152
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	90
Number of retired or separated participants receiving benefits	2013-01-01	21
Number of other retired or separated participants entitled to future benefits	2013-01-01	32
Total of all active and inactive participants	2013-01-01	143
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0
2012: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2012 401k membership
Total participants, beginning-of-year	2012-01-01	157
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	95
Number of retired or separated participants receiving benefits	2012-01-01	20
Number of other retired or separated participants entitled to future benefits	2012-01-01	36
Total of all active and inactive participants	2012-01-01	151
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	1
Total participants	2012-01-01	152
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	0
2011: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2011 401k membership
Total participants, beginning-of-year	2011-01-01	163
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	106
Number of retired or separated participants receiving benefits	2011-01-01	15
Number of other retired or separated participants entitled to future benefits	2011-01-01	36
Total of all active and inactive participants	2011-01-01	157
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	0
2010: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2010 401k membership
Total participants, beginning-of-year	2010-01-01	173
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	109
Number of retired or separated participants receiving benefits	2010-01-01	16
Number of other retired or separated participants entitled to future benefits	2010-01-01	38
Total of all active and inactive participants	2010-01-01	163
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	163
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	0
2009: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2009 401k membership
Total participants, beginning-of-year	2009-01-01	183
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	116
Number of retired or separated participants receiving benefits	2009-01-01	15
Number of other retired or separated participants entitled to future benefits	2009-01-01	41
Total of all active and inactive participants	2009-01-01	172
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	1
Total participants	2009-01-01	173
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	0

Financial Data on THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK

Measure	Date	Value
2014 : THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-11	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-11	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-11	$0
Total income from all sources (including contributions)	2014-12-11	$546,085
Total loss/gain on sale of assets	2014-12-11	$330,509
Total of all expenses incurred	2014-12-11	$4,921,640
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-11	$4,900,156
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-11	$167,456
Value of total assets at end of year	2014-12-11	$0
Value of total assets at beginning of year	2014-12-11	$4,375,555
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-11	$21,484
Total interest from all sources	2014-12-11	$5,910
Total dividends received (eg from common stock, registered investment company shares)	2014-12-11	$42,210
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-11	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2014-12-11	$0
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-11	$42,210
Assets. Real estate other than employer real property at beginning of year	2014-12-11	$47,516
Was this plan covered by a fidelity bond	2014-12-11	Yes
Value of fidelity bond cover	2014-12-11	$5,000,000
Were there any nonexempt tranactions with any party-in-interest	2014-12-11	No
Assets. Other investments not covered elsewhere at beginning of year	2014-12-11	$218,725
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-12-11	$4,966
Administrative expenses (other) incurred	2014-12-11	$9,002
Total non interest bearing cash at beginning of year	2014-12-11	$54
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-11	No
Value of net income/loss	2014-12-11	$-4,375,555
Value of net assets at end of year (total assets less liabilities)	2014-12-11	$0
Value of net assets at beginning of year (total assets less liabilities)	2014-12-11	$4,375,555
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-11	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-11	No
Were any leases to which the plan was party in default or uncollectible	2014-12-11	No
Investment advisory and management fees	2014-12-11	$12,482
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-11	$5,910
Expenses. Payments to insurance carriers foe the provision of benefits	2014-12-11	$1,454,636
Asset value of US Government securities at beginning of year	2014-12-11	$778,216
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-11	Yes
Was there a failure to transmit to the plan any participant contributions	2014-12-11	No
Has the plan failed to provide any benefit when due under the plan	2014-12-11	No
Contributions received in cash from employer	2014-12-11	$167,456
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-11	$3,445,520
Assets. Corporate common stocks other than exployer securities at beginning of year	2014-12-11	$3,326,078
Did the plan have assets held for investment	2014-12-11	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-11	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-11	Yes
Aggregate proceeds on sale of assets	2014-12-11	$6,042,874
Aggregate carrying amount (costs) on sale of assets	2014-12-11	$5,712,365
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-11	No
Opinion of an independent qualified public accountant for this plan	2014-12-11	Unqualified
Accountancy firm name	2014-12-11	CROWE HORWATH, LLP
Accountancy firm EIN	2014-12-11	350921680
2013 : THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$276,902
Total unrealized appreciation/depreciation of assets	2013-12-31	$276,902
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$864,055
Total loss/gain on sale of assets	2013-12-31	$296,205
Total of all expenses incurred	2013-12-31	$443,938
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$391,996
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$200,000
Value of total assets at end of year	2013-12-31	$4,375,555
Value of total assets at beginning of year	2013-12-31	$3,955,438
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$51,942
Total interest from all sources	2013-12-31	$26,665
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$64,283
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Assets. Real estate other than employer real property at end of year	2013-12-31	$47,516
Assets. Real estate other than employer real property at beginning of year	2013-12-31	$49,321
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$5,000,000
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Assets. Other investments not covered elsewhere at end of year	2013-12-31	$218,725
Assets. Other investments not covered elsewhere at beginning of year	2013-12-31	$131,913
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$4,966
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$6,161
Administrative expenses (other) incurred	2013-12-31	$12,074
Total non interest bearing cash at end of year	2013-12-31	$54
Total non interest bearing cash at beginning of year	2013-12-31	$29,024
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$420,117
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$4,375,555
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$3,955,438
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Investment advisory and management fees	2013-12-31	$39,868
Income. Interest from US Government securities	2013-12-31	$26,665
Asset value of US Government securities at end of year	2013-12-31	$778,216
Asset value of US Government securities at beginning of year	2013-12-31	$821,652
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$200,000
Income. Dividends from common stock	2013-12-31	$64,283
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$391,996
Assets. Corporate common stocks other than exployer securities at end of year	2013-12-31	$3,326,078
Assets. Corporate common stocks other than exployer securities at beginning of year	2013-12-31	$2,917,367
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Aggregate proceeds on sale of assets	2013-12-31	$1,829,756
Aggregate carrying amount (costs) on sale of assets	2013-12-31	$1,533,551
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	CROWE HORWATH LLP
Accountancy firm EIN	2013-12-31	350921680
2012 : THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$267,933
Total unrealized appreciation/depreciation of assets	2012-12-31	$267,933
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$690,372
Total loss/gain on sale of assets	2012-12-31	$136,136
Total of all expenses incurred	2012-12-31	$281,414
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$231,294
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$200,000
Value of total assets at end of year	2012-12-31	$3,955,438
Value of total assets at beginning of year	2012-12-31	$3,546,480
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$50,120
Total interest from all sources	2012-12-31	$21,693
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$64,610
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Assets. Real estate other than employer real property at end of year	2012-12-31	$49,321
Assets. Real estate other than employer real property at beginning of year	2012-12-31	$45,086
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$5,000,000
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Assets. Other investments not covered elsewhere at end of year	2012-12-31	$131,913
Assets. Other investments not covered elsewhere at beginning of year	2012-12-31	$340,012
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-12-31	$6,161
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$1,773
Administrative expenses (other) incurred	2012-12-31	$50,120
Total non interest bearing cash at end of year	2012-12-31	$29,024
Total non interest bearing cash at beginning of year	2012-12-31	$75,365
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$408,958
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$3,955,438
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$3,546,480
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Income. Interest from US Government securities	2012-12-31	$21,693
Asset value of US Government securities at end of year	2012-12-31	$821,652
Asset value of US Government securities at beginning of year	2012-12-31	$293,146
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$200,000
Income. Dividends from common stock	2012-12-31	$64,610
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$231,294
Asset. Corporate debt instrument preferred debt at beginning of year	2012-12-31	$0
Assets. Corporate common stocks other than exployer securities at end of year	2012-12-31	$2,917,367
Assets. Corporate common stocks other than exployer securities at beginning of year	2012-12-31	$2,791,098
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Aggregate proceeds on sale of assets	2012-12-31	$1,715,432
Aggregate carrying amount (costs) on sale of assets	2012-12-31	$1,579,296
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	CROWE HORWATH LLP
Accountancy firm EIN	2012-12-31	350921680
2011 : THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-118,820
Total unrealized appreciation/depreciation of assets	2011-12-31	$-118,820
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$253,978
Total loss/gain on sale of assets	2011-12-31	$91,415
Total of all expenses incurred	2011-12-31	$282,027
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$235,258
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$200,000
Value of total assets at end of year	2011-12-31	$3,546,480
Value of total assets at beginning of year	2011-12-31	$3,574,529
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$46,769
Total interest from all sources	2011-12-31	$37,630
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$43,753
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Assets. Real estate other than employer real property at end of year	2011-12-31	$45,086
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$5,000,000
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Assets. Other investments not covered elsewhere at end of year	2011-12-31	$340,012
Assets. Other investments not covered elsewhere at beginning of year	2011-12-31	$68,608
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$1,773
Administrative expenses (other) incurred	2011-12-31	$12,122
Total non interest bearing cash at end of year	2011-12-31	$75,365
Total non interest bearing cash at beginning of year	2011-12-31	$72,579
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-28,049
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$3,546,480
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$3,574,529
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Investment advisory and management fees	2011-12-31	$34,647
Income. Interest from corporate debt instruments	2011-12-31	$37,630
Asset value of US Government securities at end of year	2011-12-31	$293,146
Asset value of US Government securities at beginning of year	2011-12-31	$1,321,247
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$200,000
Income. Dividends from common stock	2011-12-31	$43,753
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$235,258
Asset. Corporate debt instrument preferred debt at end of year	2011-12-31	$0
Asset. Corporate debt instrument preferred debt at beginning of year	2011-12-31	$349,918
Assets. Corporate common stocks other than exployer securities at end of year	2011-12-31	$2,791,098
Assets. Corporate common stocks other than exployer securities at beginning of year	2011-12-31	$1,762,177
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Aggregate proceeds on sale of assets	2011-12-31	$2,826,292
Aggregate carrying amount (costs) on sale of assets	2011-12-31	$2,734,877
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	CROWE HORWATH LLP
Accountancy firm EIN	2011-12-31	350921680
2010 : THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$289,561
Total unrealized appreciation/depreciation of assets	2010-12-31	$289,561
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$582,690
Total loss/gain on sale of assets	2010-12-31	$26,584
Total of all expenses incurred	2010-12-31	$230,885
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$175,065
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$200,000
Value of total assets at end of year	2010-12-31	$3,574,529
Value of total assets at beginning of year	2010-12-31	$3,222,724
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$55,820
Total interest from all sources	2010-12-31	$50,406
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$16,139
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$5,000,000
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Assets. Other investments not covered elsewhere at end of year	2010-12-31	$68,608
Assets. Other investments not covered elsewhere at beginning of year	2010-12-31	$78,742
Administrative expenses (other) incurred	2010-12-31	$12,193
Total non interest bearing cash at end of year	2010-12-31	$72,579
Total non interest bearing cash at beginning of year	2010-12-31	$59,836
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$351,805
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$3,574,529
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$3,222,724
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Investment advisory and management fees	2010-12-31	$43,627
Income. Interest from corporate debt instruments	2010-12-31	$50,405
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$1
Asset value of US Government securities at end of year	2010-12-31	$1,321,247
Asset value of US Government securities at beginning of year	2010-12-31	$1,554,438
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$200,000
Income. Dividends from common stock	2010-12-31	$16,139
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$175,065
Asset. Corporate debt instrument preferred debt at end of year	2010-12-31	$349,918
Asset. Corporate debt instrument preferred debt at beginning of year	2010-12-31	$581,348
Assets. Corporate common stocks other than exployer securities at end of year	2010-12-31	$1,762,177
Assets. Corporate common stocks other than exployer securities at beginning of year	2010-12-31	$948,360
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$1,310,894
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$1,284,310
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	CROWE HORWATH LLP
Accountancy firm EIN	2010-12-31	350921680

Form 5500 Responses for THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK

2014: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	Yes
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: THE RETIREMENT ACCUMULATION PLAN OF THE ONEIDA SAVINGS BANK 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	ONEIDA SAVINGS BANK
Employer identification number (EIN):	150405820
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	Vermont Secretary of State Corporations Division
Incorporation Date:	2004-03-31
Company Identification Number:	78339
Legal Registered Office Address:	209 BATTERY STREET BURLINGTON United States of America (USA) 05401