Call reports 2019
CATSKILL HUDSON BANK — 2019
What CATSKILL HUDSON BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 475,493,000 | 464,215,000 | 525,224,000 | 503,055,000 |
| Total loans | 307,457,000 | 305,608,000 | 311,108,000 | 328,276,000 |
| Allowance for loan losses | 2,586,000 | 2,596,000 | 2,567,000 | 2,207,000 |
| Securities available for sale | 107,892,000 | 96,420,000 | 130,415,000 | 124,938,000 |
| Securities held to maturity | 6,132,000 | 6,765,000 | 6,150,000 | 5,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,535,000 | 426,662,000 | 486,944,000 | 464,363,000 |
| Interest-bearing deposits | 368,688,000 | 350,426,000 | 403,361,000 | 386,904,000 |
| Noninterest-bearing deposits | 70,847,000 | 76,236,000 | 83,582,000 | 77,459,000 |
| Equity capital | 35,442,000 | 36,835,000 | 37,654,000 | 38,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,589,000 | 9,159,000 | 13,715,000 | 18,536,000 |
| Interest expense | 788,000 | 1,675,000 | 2,618,000 | 3,610,000 |
| Net interest income | 3,801,000 | 7,484,000 | 11,097,000 | 14,926,000 |
| Noninterest income | 251,000 | 495,000 | 765,000 | 1,061,000 |
| Noninterest expense | 3,259,000 | 6,500,000 | 9,759,000 | 12,863,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 828,000 | 1,514,000 | 2,138,000 | 3,159,000 |
| Income tax | 143,000 | 268,000 | 374,000 | 556,000 |
| Net income | 685,000 | 1,246,000 | 1,764,000 | 2,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,163,000 | 37,462,000 | 37,774,000 | 38,343,000 |
| Total capital | 39,749,000 | 40,058,000 | 40,341,000 | 40,550,000 |
| Risk-weighted assets | 336,904,000 | 323,729,000 | 330,602,000 | 338,858,000 |