Call reports 2015
CATSKILL HUDSON BANK — 2015
What CATSKILL HUDSON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 437,377,000 | 407,832,000 | 456,570,000 | 449,257,000 |
| Total loans | 208,347,000 | 205,368,000 | 215,850,000 | 228,033,000 |
| Allowance for loan losses | 5,240,000 | 5,006,000 | 5,034,000 | 4,346,000 |
| Securities available for sale | 187,457,000 | 168,972,000 | 172,989,000 | 184,636,000 |
| Securities held to maturity | 11,492,000 | 12,028,000 | 10,733,000 | 9,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,422,000 | 375,198,000 | 422,561,000 | 415,660,000 |
| Interest-bearing deposits | 338,176,000 | 312,467,000 | 352,054,000 | 403,991,000 |
| Noninterest-bearing deposits | 65,246,000 | 62,731,000 | 70,507,000 | 11,669,000 |
| Equity capital | 31,575,000 | 30,137,000 | 31,494,000 | 31,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,632,000 | 7,283,000 | 10,908,000 | 14,721,000 |
| Interest expense | 386,000 | 745,000 | 1,097,000 | 1,472,000 |
| Net interest income | 3,246,000 | 6,538,000 | 9,811,000 | 13,249,000 |
| Noninterest income | 198,000 | 435,000 | 662,000 | 868,000 |
| Noninterest expense | 2,649,000 | 5,283,000 | 7,888,000 | 10,495,000 |
| Provision for loan losses | 740,000 | 1,488,000 | 2,022,000 | 1,850,000 |
| Pretax income | 55,000 | 301,000 | 764,000 | 1,990,000 |
| Income tax | -49,000 | -28,000 | 81,000 | 505,000 |
| Net income | 104,000 | 329,000 | 683,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,863,000 | 30,947,000 | 31,223,000 | 31,954,000 |
| Total capital | 35,848,000 | 35,881,000 | 36,293,000 | 37,228,000 |
| Risk-weighted assets | 252,783,000 | 248,877,000 | 259,839,000 | 277,124,000 |