Greene County Commercial Bank in Catskill, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Greene County Commercial Bank in Catskill, New York (NY)
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Greene County Commercial Bank - Overview

  • General
  • FDIC Certificate #: 57710
    Status: Active
    Federal Reserve ID: 3268249
    Date Established: May 20, 2004
    WWW: http://www.thebankofgreenecounty.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 422514
    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
    Directly owned by another bank (CERT): #57710
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 20, 2004
    Last Structure Change Effective Date: December 10, 2008
    Last Structure Change Process Date: December 10, 2008
    Last Data Update: December 10, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 425 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: $154.2 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $126.6 mil
    Return on assets (ROA): 1.48% ($2.3 mil)
    Quarterly return on assets: 1.49% ($2.3 mil)
    Return on Equity (ROE): 15.59% ($2.5 mil)
    Quarterly return on equity: 14.30% ($2.3 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 2.41% ($3,716.8 mil)
    Quarterly Pretax return on assets: 2.44% ($3,763.0 mil)

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $154,222Total assets
  • $1,239Cash and due from depository institutions
  • $151Interest-bearing balances
  • $152,141Securities
  • $21Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $154,222Life insurance assets
  • $821All other assets
  • $137,950Total liabilities and capital
  • $126,556Total liabilities
  • $125,503Total deposits
  • $126,556Interest-bearing deposits
  • $27Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,739Trading liabilities
  • $0Other borrowed funds
  • $655Subordinated debt
  • $16,272All other liabilities
  • $16,272Total equity capital
  • $16,272Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $6,700Surplus
  • $8,572Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $596Long-term assets (5+ years)
  • $152,313Average Assets, year-to-date
  • $55,085Average Assets, quarterly
  • $157,262Volatile liabilities
  • $153,371Insider loans
  • $28,490FHLB advances
  • $151,680Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,233Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,856Total interest income
  • $665Total interest expense
  • $4,191Net interest income
  • $0Provision for loan and lease losses
  • $0Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $422Total noninterest expense
  • $0Salaries and employee benefits
  • $0Premises and equipment expense
  • $422Additional noninterest expense
  • $3,769Pre-tax net operating income
  • $21Securities gains (losses)
  • $1,466Applicable income taxes
  • $2,324Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,324Net income attributable to bank
  • $0Net charge-offs
  • $2,324Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.13%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 2.70%Net interest margin
  • 0.00%Noninterest income to earning assets
  • 0.27%Noninterest expense to earning assets
  • 1.47%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 2.41%Pretax return on assets
  • 15.59%Return on equity (ROE)
  • 15.59%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 10,069Assets per employee
  • 0.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 10.55%Core capital (leverage) ratio
  • 10.04%Tier 1 risk-based capital ratio
  • 53.47%Total risk-based capital ratio
  • Memoranda
  • $53Average assets
  • $157,262Average earning assets
  • $14,906Average equity
  • $155,253Average loans

List of branches

  • 1 New York Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0422514Greene County Commercial Bank425 Main Street, Catskill, NY 12414May 20, 2004Full Service Brick and Mortar

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