Call reports 2016
CATSKILL HUDSON BANK — 2016
What CATSKILL HUDSON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 464,188,000 | 452,374,000 | 489,747,000 | 441,217,000 |
| Total loans | 232,785,000 | 233,820,000 | 237,280,000 | 243,711,000 |
| Allowance for loan losses | 4,354,000 | 4,450,000 | 4,435,000 | 3,383,000 |
| Securities available for sale | 159,772,000 | 150,470,000 | 159,399,000 | 150,047,000 |
| Securities held to maturity | 5,696,000 | 8,048,000 | 7,294,000 | 7,685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,506,000 | 417,778,000 | 455,380,000 | 409,631,000 |
| Interest-bearing deposits | 361,773,000 | 347,420,000 | 382,391,000 | 333,701,000 |
| Noninterest-bearing deposits | 68,733,000 | 70,358,000 | 72,989,000 | 75,930,000 |
| Equity capital | 33,228,000 | 33,971,000 | 33,882,000 | 31,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,788,000 | 7,467,000 | 11,121,000 | 14,961,000 |
| Interest expense | 359,000 | 739,000 | 1,117,000 | 1,492,000 |
| Net interest income | 3,429,000 | 6,728,000 | 10,004,000 | 13,469,000 |
| Noninterest income | 210,000 | 447,000 | 688,000 | 908,000 |
| Noninterest expense | 2,688,000 | 5,591,000 | 8,450,000 | 11,189,000 |
| Provision for loan losses | 91,000 | 308,000 | 339,000 | 339,000 |
| Pretax income | 956,000 | 1,426,000 | 2,117,000 | 3,064,000 |
| Income tax | 313,000 | 435,000 | 635,000 | 910,000 |
| Net income | 643,000 | 991,000 | 1,482,000 | 2,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,336,000 | 32,317,000 | 32,552,000 | 32,984,000 |
| Total capital | 35,798,000 | 35,723,000 | 36,041,000 | 36,367,000 |
| Risk-weighted assets | 276,019,000 | 271,478,000 | 278,180,000 | 285,467,000 |