Call reports 2007
CATSKILL HUDSON BANK — 2007
What CATSKILL HUDSON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 155,968,000 | 159,591,000 | 162,748,000 | 177,866,000 |
| Total loans | 96,421,000 | 106,679,000 | 110,057,000 | 117,508,000 |
| Allowance for loan losses | 1,228,000 | 1,308,000 | 1,358,000 | 1,250,000 |
| Securities available for sale | 37,110,000 | 36,767,000 | 37,167,000 | 43,440,000 |
| Securities held to maturity | 6,804,000 | 7,039,000 | 7,177,000 | 6,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,540,000 | 144,304,000 | 144,782,000 | 161,182,000 |
| Interest-bearing deposits | 115,060,000 | 117,872,000 | 120,412,000 | 133,659,000 |
| Noninterest-bearing deposits | 26,480,000 | 26,432,000 | 24,370,000 | 27,523,000 |
| Equity capital | 12,192,000 | 12,194,000 | 12,517,000 | 12,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,373,000 | 4,900,000 | 7,572,000 | 10,351,000 |
| Interest expense | 1,045,000 | 2,183,000 | 3,363,000 | 4,659,000 |
| Net interest income | 1,328,000 | 2,717,000 | 4,209,000 | 5,692,000 |
| Noninterest income | 152,000 | 336,000 | 512,000 | 703,000 |
| Noninterest expense | 1,190,000 | 2,434,000 | 3,718,000 | 5,163,000 |
| Provision for loan losses | 40,000 | 120,000 | 195,000 | 335,000 |
| Pretax income | 250,000 | 496,000 | 805,000 | 894,000 |
| Income tax | 67,000 | 138,000 | 230,000 | 236,000 |
| Net income | 183,000 | 358,000 | 575,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,344,000 | 12,459,000 | 12,605,000 | 12,624,000 |
| Total capital | 15,372,000 | 15,567,000 | 15,763,000 | 15,674,000 |
| Risk-weighted assets | 117,250,000 | 125,607,000 | 127,874,000 | 135,712,000 |
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