Catskill Hudson Bank in Rock Hill, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Catskill Hudson Bank - Overview

  • General
  • FDIC Certificate #: 33859
    Status: Active
    Federal Reserve ID: 2132594
    Bank Holding Company (Regulatory Top Holder): Catskill Hudson Bancorp, Inc. (RSSDID: 3443998, Location: Rock Hill, NY)
    Date Established: December 06, 1993
    WWW: http://www.catskillhudsonbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 48167
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 06, 1993
    Last Structure Change Effective Date: January 28, 2011
    Last Structure Change Process Date: January 31, 2011
    Last Data Update: January 31, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 195 Lake Louise Marie Road, Rock Hill, NY 12775
    County: Sullivan
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • Financial Summary
  • Total assets: $351.7 mil
    Equity capital: $29.8 mil
    Deposits held in domestic offices: $315.6 mil
    Return on assets (ROA): 0.55% ($1.9 mil)
    Quarterly return on assets: 0.25% ($0.9 mil)
    Return on Equity (ROE): 7.51% ($2.3 mil)
    Quarterly return on equity: 3.19% ($1.0 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.65% ($2,285.8 mil)
    Quarterly Pretax return on assets: 0.14% ($492.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 77Total employees (full-time equivalent)
  • $351,667Total assets
  • $18,392Cash and due from depository institutions
  • $229Interest-bearing balances
  • $158,194Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $169,859Net loans & leases
  • $3,710Loan loss allowance
  • $0Trading account assets
  • $1,260Bank premises and fixed assets
  • $125Other real estate owned
  • $0Goodwill and other intangibles
  • $351,667Life insurance assets
  • $3,837All other assets
  • $321,875Total liabilities and capital
  • $315,584Total liabilities
  • $275,690Total deposits
  • $315,584Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,150Trading liabilities
  • $1,800Other borrowed funds
  • $1,341Subordinated debt
  • $29,792All other liabilities
  • $29,792Total equity capital
  • $29,792Total bank equity capital
  • $0Perpetual preferred stock
  • $5Common stock
  • $20,492Surplus
  • $9,295Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,590Income earned, not collected on loans
  • $0Earning assets
  • $1,698Long-term assets (5+ years)
  • $328,282Average Assets, year-to-date
  • $161,717Average Assets, quarterly
  • $350,465Volatile liabilities
  • $373,985Insider loans
  • $205,960FHLB advances
  • $370,944Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,306Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,726Restructured Loans and leases
  • $10,866Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,419Total interest income
  • $2,418Total interest expense
  • $13,001Net interest income
  • $3,328Provision for loan and lease losses
  • $709Total noninterest income
  • $0Fiduciary activities
  • $481Service charges on deposit accounts
  • $0Trading account gains & fees
  • $228Additional noninterest income
  • $8,516Total noninterest expense
  • $4,519Salaries and employee benefits
  • $1,521Premises and equipment expense
  • $2,476Additional noninterest expense
  • $1,866Pre-tax net operating income
  • $397Securities gains (losses)
  • $325Applicable income taxes
  • $1,938Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,938Net income attributable to bank
  • $0Net charge-offs
  • $1,938Cash dividends
  • $2,463Sale, conversion, retirement of capital stock, net
  • $416Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 7.51%Return on equity (ROE)
  • 5.90%Retained earnings to average equity (YTD only)
  • 1.40%Net charge-offs to loans
  • 135.12%Credit loss provision to net charge-offs
  • 2.11%Efficiency ratio
  • 62,115Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.47%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 80.83%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 53.82%Net loans and leases to core deposits
  • 64.15%Equity capital to assets
  • 8.47%Core capital (leverage) ratio
  • 7.36%Tier 1 risk-based capital ratio
  • 13.26%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $350,465Average earning assets
  • $25,812Average equity
  • $325,912Average loans

List of branches

  • 13 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048167Catskill Hudson Bank195 Lake Louise Marie Road, Rock Hill, NY 12775December 06, 1993Full Service Brick and Mortar
    1289983Colonial Sq. Shopping Center BranchColonial Square Shopping Center, 53 Route 52, Liberty, NY 12754July 22, 1997Full Service Brick and Mortar
    2365270Stoneridge Mini Mall Branch731 Route 211 East, Middletown, NY 10940July 12, 2001Full Service Brick and Mortar
    3441418Monticello - Thompson Square Mall Br4438 State Route 42 Po Box 1258, Monticello, NY 12701June 27, 2005Full Service Brick and Mortar
    4442408Rock Hill Branch195 Lake Louise Marie Road, Rock Hill, NY 12775June 27, 2005Full Service Brick and Mortar
    5445696Shumway Road & Nys Route 5 Branch4 Schumway Road, Suite 3, Neversink, NY 12765October 21, 2005Full Service Brick and Mortar
    6449854Ellenville Branch103 Canal Street, Ellenville, NY 12428Febuary 27, 2006Full Service Brick and Mortar
    7457629South Fallsburg Branch6 Railroad Plaza, South Fallsburg, NY 12779December 07, 2006Full Service Brick and Mortar
    8468800Callicoon Branch9 Lower Main Street/Cr 133, Callicoon, NY 12723October 01, 2007Full Service Brick and Mortar
    9469906Narrowsburg Branch120 Kirk Rd, Narrowsburg, NY 12764October 01, 2007Full Service Brick and Mortar
    10474389Youngsville Square Branch4054 State Route 52, Youngsville, NY 12791April 28, 2008Full Service Brick and Mortar
    11492946Livingston Manor Branch29 Main Street, Livingston Manor, NY 12758August 26, 2008Full Service Brick and Mortar
    12512297Kingston Branch157 Stockade Drive, Kingston, NY 12401August 18, 2010Full Service Brick and Mortar

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