Call reports 2012
CATSKILL HUDSON BANK — 2012
What CATSKILL HUDSON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 359,449,000 | 353,748,000 | 393,087,000 | 382,561,000 |
| Total loans | 177,696,000 | 181,015,000 | 181,848,000 | 189,171,000 |
| Allowance for loan losses | 4,439,000 | 4,555,000 | 5,146,000 | 5,142,000 |
| Securities available for sale | 145,703,000 | 150,420,000 | 177,610,000 | 172,536,000 |
| Securities held to maturity | 10,984,000 | 10,925,000 | 11,212,000 | 10,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,851,000 | 315,823,000 | 354,830,000 | 345,013,000 |
| Interest-bearing deposits | 284,271,000 | 274,985,000 | 312,607,000 | 302,703,000 |
| Noninterest-bearing deposits | 38,580,000 | 40,838,000 | 42,223,000 | 42,310,000 |
| Equity capital | 30,360,000 | 30,821,000 | 31,915,000 | 32,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,797,000 | 7,629,000 | 11,394,000 | 15,140,000 |
| Interest expense | 427,000 | 840,000 | 1,241,000 | 1,657,000 |
| Net interest income | 3,370,000 | 6,789,000 | 10,153,000 | 13,483,000 |
| Noninterest income | 199,000 | 381,000 | 598,000 | 807,000 |
| Noninterest expense | 2,187,000 | 4,475,000 | 6,732,000 | 9,012,000 |
| Provision for loan losses | 819,000 | 1,638,000 | 2,466,000 | 3,294,000 |
| Pretax income | 560,000 | 1,295,000 | 1,845,000 | 2,278,000 |
| Income tax | 59,000 | 179,000 | 213,000 | 206,000 |
| Net income | 501,000 | 1,116,000 | 1,632,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,717,000 | 28,046,000 | 28,481,000 | 28,846,000 |
| Total capital | 32,168,000 | 32,537,000 | 33,075,000 | 33,504,000 |
| Risk-weighted assets | 210,305,000 | 213,379,000 | 221,172,000 | 226,355,000 |