Hudson River Bank & Trust Company in Hudson, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 14, 2005

  • Hudson River Bank & Trust Company in Hudson, New York (NY)
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Hudson River Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 15968
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Niagara Bank, National Association (#16004)
    Federal Reserve ID: 606309
    Date Established: April 04, 1850
    WWW: http://www.hudsonriverbank.com
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 48 (Interstate: No)
    OTS Docket #: 12063
    FDIC's unique #: 10199
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 01, 1943
    Last Structure Change Effective Date: January 14, 2005
    Last Structure Change Process Date: January 27, 2005
    Last Data Update: January 27, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: One Hudson City Centre, Hudson, NY 12534
    County: Columbia
    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
    Combined Statistical Area (CSA): Albany-Schenectady-Amsterdam, NY (#104)
    Core Based Statistical Area (CBSA): Hudson, NY (#26460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $2,496.6 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, 2004)

  • Dollar figures in thousands
  • 631Total employees (full-time equivalent)
  • $2,496,609Total assets
  • $51,471Cash and due from depository institutions
  • $117Interest-bearing balances
  • $599,072Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,674,441Net loans & leases
  • $40,463Loan loss allowance
  • $0Trading account assets
  • $27,815Bank premises and fixed assets
  • $65Other real estate owned
  • $65,604Goodwill and other intangibles
  • $0Life insurance assets
  • $78,141All other assets
  • $2,496,609Total liabilities and capital
  • $2,220,466Total liabilities
  • $1,805,090Total deposits
  • $1,575,118Interest-bearing deposits
  • $1,805,090Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $19,734Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $370,178Other borrowed funds
  • $0Subordinated debt
  • $25,464All other liabilities
  • $276,143Total equity capital
  • $276,143Total bank equity capital
  • $276,143Perpetual preferred stock
  • $0Common stock
  • $202Surplus
  • $117,362Undivided profits
  • Memoranda
  • $158,579Noncurrent loans and leases
  • $262,636Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $13,453Earning assets
  • $0Long-term assets (5+ years)
  • $9,283Average Assets, year-to-date
  • $2,273,630Average Assets, quarterly
  • $1,353,898Volatile liabilities
  • $2,566,101Insider loans
  • $2,516,954FHLB advances
  • $181,369Loans and leases held for sale
  • $3,150Unused loan commitments
  • $359,735Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $262,636Total unused commitments
  • $0Restructured Loans and leases
  • $19,061Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $134,798Total interest income
  • $39,960Total interest expense
  • $94,838Net interest income
  • $3,900Provision for loan and lease losses
  • $14,270Total noninterest income
  • $367Fiduciary activities
  • $8,086Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,817Additional noninterest income
  • $61,433Total noninterest expense
  • $29,608Salaries and employee benefits
  • $8,692Premises and equipment expense
  • $23,133Additional noninterest expense
  • $43,775Pre-tax net operating income
  • $1,599Securities gains (losses)
  • $17,691Applicable income taxes
  • $27,683Income before extraordinary items
  • $0Extraordinary gains - net
  • $27,683Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3,039Sale, conversion, retirement of capital stock, net
  • $7,507Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.76%Yield on earning assets
  • 1.71%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 10.41%Return on equity (ROE)
  • 7.58%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 128.33%Credit loss provision to net charge-offs
  • 15.69%Efficiency ratio
  • 55,610Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.12%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 300.77%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 92.76%Net loans and leases to core deposits
  • 96.92%Equity capital to assets
  • 11.06%Core capital (leverage) ratio
  • 8.70%Tier 1 risk-based capital ratio
  • 14.22%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,566,101Average earning assets
  • $266,017Average equity
  • $2,338,551Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $59,009Managed Assets
  • 1Number of Accounts
  • $57,983Personal trust and agency accounts
  • $5,663Employee benefit-defined contribution accounts
  • $24,588Employee benefit-defined benefit accounts
  • $5,599Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $22,133Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 173Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,026Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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