Greater Hudson Bank, National Association in Middletown, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Greater Hudson Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57145
    Status: Active
    Federal Reserve ID: 3086256
    Date Established: October 15, 2002
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 358522
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 15, 2002
    Last Structure Change Effective Date: October 14, 2008
    Last Structure Change Process Date: January 06, 2009
    Last Data Update: January 06, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 643 Route 211 East, Middletown, NY 10941
    County: Orange
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: New York City
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Newburgh, NY-PA (#5660)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): Poughkeepsie-Newburgh-Middletown, NY (#39100)
    CBSA Metro Statistical Area: Poughkeepsie-Newburgh-Middletown, NY (#39100)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $299.2 mil
    Equity capital: $36.6 mil
    Deposits held in domestic offices: $245.8 mil
    Return on assets (ROA): 0.90% ($2.7 mil)
    Quarterly return on assets: 0.84% ($2.5 mil)
    Return on Equity (ROE): 7.45% ($2.8 mil)
    Quarterly return on equity: 6.95% ($2.6 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.46% ($4,368.1 mil)
    Quarterly Pretax return on assets: 1.37% ($4,098.8 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
  • 41Total employees (full-time equivalent)
  • $299,185Total assets
  • $6,005Cash and due from depository institutions
  • $1,808Interest-bearing balances
  • $130,645Securities
  • $64Federal funds sold & reverse repurchase agreements
  • $154,682Net loans & leases
  • $2,148Loan loss allowance
  • $0Trading account assets
  • $1,102Bank premises and fixed assets
  • $327Other real estate owned
  • $0Goodwill and other intangibles
  • $299,185Life insurance assets
  • $6,360All other assets
  • $262,551Total liabilities and capital
  • $245,810Total liabilities
  • $225,603Total deposits
  • $245,810Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 5000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,741Subordinated debt
  • $36,634All other liabilities
  • $36,634Total equity capital
  • $36,634Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $37,525Surplus
  • $-991Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $583Income earned, not collected on loans
  • $0Earning assets
  • $1,210Long-term assets (5+ years)
  • $287,199Average Assets, year-to-date
  • $69,444Average Assets, quarterly
  • $288,332Volatile liabilities
  • $300,631Insider loans
  • $217,962FHLB advances
  • $299,507Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,727Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,922Restructured Loans and leases
  • $7,610Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,090Total interest income
  • $3,157Total interest expense
  • $9,933Net interest income
  • $404Provision for loan and lease losses
  • $216Total noninterest income
  • $0Fiduciary activities
  • $96Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $6,067Total noninterest expense
  • $2,986Salaries and employee benefits
  • $1,070Premises and equipment expense
  • $2,011Additional noninterest expense
  • $3,678Pre-tax net operating income
  • $528Securities gains (losses)
  • $1,624Applicable income taxes
  • $2,582Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,582Net income attributable to bank
  • $0Net charge-offs
  • $2,582Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 2.24%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 7.45%Return on equity (ROE)
  • 7.45%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -5771.43%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 59,779Assets per employee
  • 7.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 368.44%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 62.93%Net loans and leases to core deposits
  • 69.12%Equity capital to assets
  • 12.24%Core capital (leverage) ratio
  • 11.93%Tier 1 risk-based capital ratio
  • 16.39%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $288,332Average earning assets
  • $34,656Average equity
  • $270,493Average loans

List of branches

  • 4 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0358522Greater Hudson Bank, National Association643 Route 211 East, Middletown, NY 10941October 15, 2002Full Service Brick and Mortar
    1492512Warwick Branch25 Elm Street/Mitchell Corners, Warwick, NY 10990December 01, 2006Full Service Brick and Mortar
    2492513Bardonia Branch715 Route 304, Bardonia, NY 10954October 01, 2008Full Service Brick and Mortar
    3510557White Plains Branch567 North Broadway, White Plains, NY 10603June 02, 2010Full Service Brick and Mortar

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