Catskill Savings Bank in Catskill, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 10, 2000

  • Catskill Savings Bank in Catskill, New York (NY)
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Catskill Savings Bank - Overview

  • General
  • FDIC Certificate #: 15998
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Troy Savings Bank (#16073)
    Federal Reserve ID: 29403
    Date Established: January 01, 1868
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 13495
    FDIC's unique #: 10228
    Numeric code: 43
    Regulator: OTS
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: July 01, 1943
    Last Structure Change Effective Date: November 10, 2000
    Last Structure Change Process Date: December 08, 2000
    Last Data Update: December 08, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 341 Main Street, Catskill, NY 12414
    County: Greene
    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: $304.2 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 75Total employees (full-time equivalent)
  • $342,452Total assets
  • $5,138Cash and due from depository institutions
  • $117Interest-bearing balances
  • $155,418Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $157,358Net loans & leases
  • $2,140Loan loss allowance
  • $0Trading account assets
  • $3,793Bank premises and fixed assets
  • $107Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $20,638All other assets
  • $342,452Total liabilities and capital
  • $295,091Total liabilities
  • $223,915Total deposits
  • $210,874Interest-bearing deposits
  • $223,915Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $69,444Other borrowed funds
  • $0Subordinated debt
  • $1,732All other liabilities
  • $47,361Total equity capital
  • $47,361Total bank equity capital
  • $47,361Perpetual preferred stock
  • $0Common stock
  • $57Surplus
  • $28,253Undivided profits
  • Memoranda
  • $19,051Noncurrent loans and leases
  • $6,838Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $539Earning assets
  • $0Long-term assets (5+ years)
  • $953Average Assets, year-to-date
  • $312,893Average Assets, quarterly
  • $0Volatile liabilities
  • $330,678Insider loans
  • $339,910FHLB advances
  • $93,232Loans and leases held for sale
  • $107Unused loan commitments
  • $65,350Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,838Total unused commitments
  • $107Restructured Loans and leases
  • $2,140Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $21,661Total interest income
  • $11,066Total interest expense
  • $10,595Net interest income
  • $195Provision for loan and lease losses
  • $1,182Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,182Additional noninterest income
  • $5,991Total noninterest expense
  • $3,693Salaries and employee benefits
  • $647Premises and equipment expense
  • $1,651Additional noninterest expense
  • $5,591Pre-tax net operating income
  • -$159Securities gains (losses)
  • $1,251Applicable income taxes
  • $4,181Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,181Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $9,000Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.06%Yield on earning assets
  • 3.61%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 1.95%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 7.93%Return on equity (ROE)
  • -9.14%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 500.00%Credit loss provision to net charge-offs
  • 148.36%Efficiency ratio
  • 50,870Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 215.26%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 397.03%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 70.28%Net loans and leases to core deposits
  • 78.63%Equity capital to assets
  • 13.83%Core capital (leverage) ratio
  • 14.84%Tier 1 risk-based capital ratio
  • 29.53%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $330,678Average earning assets
  • $52,716Average equity
  • $306,791Average loans

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