Call reports 2008
CATSKILL HUDSON BANK — 2008
What CATSKILL HUDSON BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,923,000 | 186,507,000 | 200,685,000 | 222,024,000 |
| Total loans | 122,583,000 | 128,262,000 | 132,713,000 | 139,070,000 |
| Allowance for loan losses | 1,342,000 | 1,418,000 | 1,529,000 | 1,556,000 |
| Securities available for sale | 36,812,000 | 38,029,000 | 42,349,000 | 64,440,000 |
| Securities held to maturity | 6,815,000 | 6,516,000 | 7,649,000 | 9,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,549,000 | 170,054,000 | 184,295,000 | 204,379,000 |
| Interest-bearing deposits | 129,854,000 | 139,240,000 | 151,491,000 | 174,631,000 |
| Noninterest-bearing deposits | 26,695,000 | 30,814,000 | 32,804,000 | 29,748,000 |
| Equity capital | 12,986,000 | 13,675,000 | 13,588,000 | 14,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,673,000 | 5,316,000 | 8,143,000 | 11,146,000 |
| Interest expense | 1,135,000 | 2,084,000 | 3,066,000 | 4,238,000 |
| Net interest income | 1,538,000 | 3,232,000 | 5,077,000 | 6,908,000 |
| Noninterest income | 187,000 | 384,000 | 612,000 | 819,000 |
| Noninterest expense | 1,504,000 | 3,019,000 | 4,659,000 | 6,399,000 |
| Provision for loan losses | 91,000 | 196,000 | 311,000 | 445,000 |
| Pretax income | 130,000 | 405,000 | 723,000 | 887,000 |
| Income tax | 21,000 | 101,000 | 195,000 | 220,000 |
| Net income | 109,000 | 304,000 | 528,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,695,000 | 13,811,000 | 13,976,000 | 14,053,000 |
| Total capital | 15,837,000 | 17,029,000 | 17,305,000 | 17,409,000 |
| Risk-weighted assets | 138,450,000 | 145,605,000 | 152,015,000 | 159,301,000 |
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