Call reports 2023
CATSKILL HUDSON BANK — 2023
What CATSKILL HUDSON BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 587,607,000 | 554,469,000 | 592,956,000 | 572,282,000 |
| Total loans | 426,020,000 | 437,614,000 | 438,836,000 | 442,277,000 |
| Allowance for loan losses | 2,357,000 | 2,454,000 | 2,365,000 | 2,194,000 |
| Securities available for sale | 108,359,000 | 72,642,000 | 99,216,000 | 81,432,000 |
| Securities held to maturity | 5,964,000 | 5,823,000 | 5,880,000 | 5,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,953,000 | 510,360,000 | 549,853,000 | 528,176,000 |
| Interest-bearing deposits | 449,529,000 | 417,746,000 | 451,302,000 | 440,659,000 |
| Noninterest-bearing deposits | 93,424,000 | 92,614,000 | 98,551,000 | 87,517,000 |
| Equity capital | 40,871,000 | 40,753,000 | 39,528,000 | 40,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,688,000 | 11,524,000 | 17,275,000 | 23,600,000 |
| Interest expense | 1,425,000 | 3,433,000 | 5,936,000 | 8,841,000 |
| Net interest income | 4,263,000 | 8,091,000 | 11,339,000 | 14,759,000 |
| Noninterest income | 177,000 | 355,000 | 581,000 | 773,000 |
| Noninterest expense | 3,845,000 | 7,489,000 | 11,331,000 | 14,946,000 |
| Provision for loan losses | 0 | -30,000 | -129,000 | -79,000 |
| Pretax income | 595,000 | 987,000 | 619,000 | 591,000 |
| Income tax | 97,000 | 171,000 | 73,000 | 48,000 |
| Net income | 498,000 | 816,000 | 546,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,711,000 | 43,979,000 | 43,367,000 | 43,150,000 |
| Total capital | 46,068,000 | 46,433,000 | 45,831,000 | 45,418,000 |
| Risk-weighted assets | 371,852,000 | 381,202,000 | 377,352,000 | 389,439,000 |