Call reports 2014
CATSKILL HUDSON BANK — 2014
What CATSKILL HUDSON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 403,940,000 | 369,662,000 | 446,937,000 | 412,945,000 |
| Total loans | 209,096,000 | 213,553,000 | 215,297,000 | 210,690,000 |
| Allowance for loan losses | 7,275,000 | 5,583,000 | 6,452,000 | 4,756,000 |
| Securities available for sale | 150,382,000 | 130,647,000 | 177,448,000 | 178,715,000 |
| Securities held to maturity | 7,012,000 | 7,158,000 | 7,211,000 | 8,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,649,000 | 336,075,000 | 414,067,000 | 379,719,000 |
| Interest-bearing deposits | 321,653,000 | 284,103,000 | 350,164,000 | 317,747,000 |
| Noninterest-bearing deposits | 48,996,000 | 51,973,000 | 63,904,000 | 61,972,000 |
| Equity capital | 29,497,000 | 30,641,000 | 30,129,000 | 30,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,628,000 | 7,181,000 | 10,655,000 | 14,452,000 |
| Interest expense | 376,000 | 752,000 | 1,133,000 | 1,547,000 |
| Net interest income | 3,252,000 | 6,429,000 | 9,522,000 | 12,905,000 |
| Noninterest income | 220,000 | 433,000 | 642,000 | 805,000 |
| Noninterest expense | 2,661,000 | 5,367,000 | 8,124,000 | 10,733,000 |
| Provision for loan losses | 740,000 | 1,819,000 | 2,909,000 | 4,300,000 |
| Pretax income | 635,000 | 1,032,000 | 581,000 | 314,000 |
| Income tax | 121,000 | 176,000 | -73,000 | -267,000 |
| Net income | 514,000 | 856,000 | 654,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,915,000 | 31,220,000 | 30,927,000 | 30,853,000 |
| Total capital | 35,799,000 | 36,146,000 | 35,963,000 | 35,880,000 |
| Risk-weighted assets | 246,685,000 | 250,057,000 | 258,913,000 | 256,666,000 |
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