Call reports 2009
CATSKILL HUDSON BANK — 2009
What CATSKILL HUDSON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 244,102,000 | 254,111,000 | 254,207,000 | 275,723,000 |
| Total loans | 138,829,000 | 144,743,000 | 149,200,000 | 161,215,000 |
| Allowance for loan losses | 1,673,000 | 1,571,000 | 1,619,000 | 1,782,000 |
| Securities available for sale | 87,906,000 | 86,606,000 | 85,770,000 | 90,049,000 |
| Securities held to maturity | 9,403,000 | 9,864,000 | 9,150,000 | 8,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,280,000 | 233,375,000 | 230,270,000 | 246,240,000 |
| Interest-bearing deposits | 194,327,000 | 203,124,000 | 198,496,000 | 213,447,000 |
| Noninterest-bearing deposits | 27,953,000 | 30,251,000 | 31,774,000 | 32,793,000 |
| Equity capital | 18,035,000 | 17,889,000 | 18,592,000 | 21,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,112,000 | 6,454,000 | 9,866,000 | 13,355,000 |
| Interest expense | 1,056,000 | 2,034,000 | 2,933,000 | 3,754,000 |
| Net interest income | 2,056,000 | 4,420,000 | 6,933,000 | 9,601,000 |
| Noninterest income | 210,000 | 423,000 | 649,000 | 881,000 |
| Noninterest expense | 1,785,000 | 3,801,000 | 5,747,000 | 7,467,000 |
| Provision for loan losses | 135,000 | 355,000 | 877,000 | 1,595,000 |
| Pretax income | 346,000 | 801,000 | 1,256,000 | 1,747,000 |
| Income tax | 77,000 | 188,000 | 289,000 | 396,000 |
| Net income | 269,000 | 613,000 | 967,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,264,000 | 17,505,000 | 17,778,000 | 21,582,000 |
| Total capital | 20,737,000 | 20,876,000 | 21,197,000 | 25,164,000 |
| Risk-weighted assets | 163,714,000 | 172,973,000 | 175,308,000 | 193,628,000 |
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