Call reports 2013
CATSKILL HUDSON BANK — 2013
What CATSKILL HUDSON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 391,118,000 | 389,781,000 | 425,547,000 | 395,710,000 |
| Total loans | 194,082,000 | 194,377,000 | 196,546,000 | 201,376,000 |
| Allowance for loan losses | 5,568,000 | 5,387,000 | 5,714,000 | 6,533,000 |
| Securities available for sale | 161,857,000 | 169,651,000 | 182,697,000 | 173,279,000 |
| Securities held to maturity | 7,719,000 | 7,393,000 | 7,629,000 | 6,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,157,000 | 356,285,000 | 392,366,000 | 363,579,000 |
| Interest-bearing deposits | 311,942,000 | 309,031,000 | 338,167,000 | 316,714,000 |
| Noninterest-bearing deposits | 42,215,000 | 47,254,000 | 54,199,000 | 46,865,000 |
| Equity capital | 32,061,000 | 29,673,000 | 29,423,000 | 27,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,708,000 | 7,352,000 | 10,954,000 | 14,650,000 |
| Interest expense | 395,000 | 790,000 | 1,188,000 | 1,589,000 |
| Net interest income | 3,313,000 | 6,562,000 | 9,766,000 | 13,061,000 |
| Noninterest income | 222,000 | 449,000 | 686,000 | 905,000 |
| Noninterest expense | 2,331,000 | 4,708,000 | 7,079,000 | 9,664,000 |
| Provision for loan losses | 493,000 | 992,000 | 1,496,000 | 3,000,000 |
| Pretax income | 799,000 | 1,783,000 | 2,396,000 | 2,786,000 |
| Income tax | 135,000 | 351,000 | 427,000 | 298,000 |
| Net income | 664,000 | 1,432,000 | 1,969,000 | 2,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,440,000 | 30,117,000 | 30,569,000 | 29,857,000 |
| Total capital | 34,212,000 | 34,893,000 | 35,457,000 | 34,727,000 |
| Risk-weighted assets | 235,203,000 | 235,687,000 | 243,893,000 | 245,631,000 |