Hometown Bank of the Hudson Valley in Walden, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Hometown Bank of the Hudson Valley in Walden, New York (NY)
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Hometown Bank of the Hudson Valley - Overview

  • General
  • FDIC Certificate #: 28379
    Status: Active
    Federal Reserve ID: 102173
    Date Established: January 01, 1919
    WWW: http://www.hometownbankhv.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 1472
    FDIC's unique #: 41213
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: December 20, 1935
    Last Structure Change Effective Date: September 12, 2011
    Last Structure Change Process Date: September 28, 2011
    Last Data Update: September 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 12-14 Main St, Walden, NY 12586
    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: $165.6 mil
    Equity capital: $15.9 mil
    Deposits held in domestic offices: $148.3 mil
    Return on assets (ROA): -0.25% (-$0.4 mil)
    Quarterly return on assets: -1.42% (-$2.4 mil)
    Return on Equity (ROE): -2.39% (-$0.4 mil)
    Quarterly return on equity: -14.62% (-$2.3 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -0.40% (-$662.5 mil)
    Quarterly Pretax return on assets: -2.38% (-$3,941.8 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
  • 69Total employees (full-time equivalent)
  • $165,622Total assets
  • $10,680Cash and due from depository institutions
  • $1,377Interest-bearing balances
  • $4,630Securities
  • $1,677Federal funds sold & reverse repurchase agreements
  • $134,994Net loans & leases
  • $1,698Loan loss allowance
  • $0Trading account assets
  • $5,072Bank premises and fixed assets
  • $3,542Other real estate owned
  • $1,374Goodwill and other intangibles
  • $165,622Life insurance assets
  • $3,653All other assets
  • $149,684Total liabilities and capital
  • $148,260Total liabilities
  • $123,422Total deposits
  • $148,260Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $786Trading liabilities
  • $0Other borrowed funds
  • $638Subordinated debt
  • $15,938All other liabilities
  • $15,938Total equity capital
  • $15,938Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $5,908Surplus
  • $10,029Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,064Income earned, not collected on loans
  • $0Earning assets
  • $587Long-term assets (5+ years)
  • $142,678Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $159,549Volatile liabilities
  • $167,633Insider loans
  • $122,916FHLB advances
  • $164,870Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,186Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,304Restructured Loans and leases
  • $1,504Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,164Total interest income
  • $814Total interest expense
  • $6,350Net interest income
  • $1,066Provision for loan and lease losses
  • $1,183Total noninterest income
  • $0Fiduciary activities
  • $656Service charges on deposit accounts
  • $0Trading account gains & fees
  • $527Additional noninterest income
  • $7,044Total noninterest expense
  • $4,099Salaries and employee benefits
  • $1,389Premises and equipment expense
  • $1,556Additional noninterest expense
  • -$577Pre-tax net operating income
  • $0Securities gains (losses)
  • -$245Applicable income taxes
  • -$332Income before extraordinary items
  • -$59Extraordinary gains - net
  • -$391Net income attributable to bank
  • $0Net charge-offs
  • -$391Cash dividends
  • $721Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.46%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 4.94%Noninterest expense to earning assets
  • -0.21%Net operating income to assets
  • -0.25%Return on assets (ROA)
  • -0.40%Pretax return on assets
  • -2.39%Return on equity (ROE)
  • -2.39%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 147.85%Credit loss provision to net charge-offs
  • 0.68%Efficiency ratio
  • 93,177Assets per employee
  • 2.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 55.42%Noncurrent assets plus other real estate owned to assets
  • 3.99%Noncurrent loans to loans
  • 2.24%Net loans and leases to deposits
  • 91.05%Net loans and leases to core deposits
  • 100.54%Equity capital to assets
  • 9.62%Core capital (leverage) ratio
  • 9.21%Tier 1 risk-based capital ratio
  • 12.35%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $159,549Average earning assets
  • $16,353Average equity
  • $142,464Average loans

List of branches

  • 6 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041213Hometown Bank Of The Hudson Valley12-14 Main St, Walden, NY 12586January 01, 1919Full Service Brick and Mortar
    1267043Montgomery Branch201 Ward Street, Montgomery, NY 12549January 27, 1997Full Service Brick and Mortar
    2461413Monroe Wal-Mart Branch288 Larkin Drive, Monroe, NY 10950September 01, 2000Full Service Retail
    4461415Otisville Branch2 Sanatorium Avenue, Ste 2, Otisville, NY 10963November 08, 2005Full Service Brick and Mortar
    5491888Newburgh Branch211 South Plank Road, Newburgh, NY 12550September 12, 2007Full Service Brick and Mortar
    6270182Rt 17m & James Rd Branch412 State Highway 17m, Monroe, NY 10950January 01, 1888Full Service Brick and Mortar

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