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

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

  • General
  • FDIC Certificate #: 21591
    Status: Active
    Federal Reserve ID: 214106
    Date Established: May 18, 1974
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 18028
    FDIC's unique #: 14936
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: May 18, 1974
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $559.6 mil
    Equity capital: $49.0 mil
    Deposits held in domestic offices: $495.6 mil
    Return on assets (ROA): 1.05% ($5.9 mil)
    Quarterly return on assets: 1.12% ($6.3 mil)
    Return on Equity (ROE): 12.47% ($6.1 mil)
    Quarterly return on equity: 12.95% ($6.3 mil)
    Net income: $5.8 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.57% ($8,785.0 mil)
    Quarterly Pretax return on assets: 1.65% ($9,232.6 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, 2011)

  • Dollar figures in thousands
  • 118Total employees (full-time equivalent)
  • $559,554Total assets
  • $18,846Cash and due from depository institutions
  • $10,831Interest-bearing balances
  • $205,984Securities
  • $1,042Federal funds sold & reverse repurchase agreements
  • $311,784Net loans & leases
  • $5,441Loan loss allowance
  • $0Trading account assets
  • $15,044Bank premises and fixed assets
  • $361Other real estate owned
  • $0Goodwill and other intangibles
  • $559,554Life insurance assets
  • $6,493All other assets
  • $510,543Total liabilities and capital
  • $495,592Total liabilities
  • $479,358Total deposits
  • $495,592Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,000Trading liabilities
  • $0Other borrowed funds
  • $2,951Subordinated debt
  • $49,011All other liabilities
  • $49,011Total equity capital
  • $49,011Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $3,668Surplus
  • $45,342Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,217Income earned, not collected on loans
  • $0Earning assets
  • $2,714Long-term assets (5+ years)
  • $529,641Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $550,907Volatile liabilities
  • $558,134Insider loans
  • $296,914FHLB advances
  • $557,488Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $48,384Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,422Restructured Loans and leases
  • $543Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,725Total interest income
  • $4,087Total interest expense
  • $20,638Net interest income
  • $1,688Provision for loan and lease losses
  • $4,460Total noninterest income
  • $0Fiduciary activities
  • $2,411Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,049Additional noninterest income
  • $14,784Total noninterest expense
  • $7,826Salaries and employee benefits
  • $1,880Premises and equipment expense
  • $5,078Additional noninterest expense
  • $8,626Pre-tax net operating income
  • $30Securities gains (losses)
  • $2,855Applicable income taxes
  • $5,801Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,801Net income attributable to bank
  • $0Net charge-offs
  • $5,801Cash dividends
  • $399Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 12.47%Return on equity (ROE)
  • 9.24%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 423.06%Credit loss provision to net charge-offs
  • 25.85%Efficiency ratio
  • 58,905Assets per employee
  • 4.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.86%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 75.39%Noncurrent assets plus other real estate owned to assets
  • 1.35%Noncurrent loans to loans
  • 2.28%Net loans and leases to deposits
  • 62.91%Net loans and leases to core deposits
  • 63.54%Equity capital to assets
  • 8.76%Core capital (leverage) ratio
  • 8.68%Tier 1 risk-based capital ratio
  • 16.30%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $550,907Average earning assets
  • $46,526Average equity
  • $520,401Average loans

List of branches

  • 13 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014936The Bank Of Greene County425 Main Street, Catskill, NY 12414May 18, 1974Full Service Brick and Mortar
    1253087Coxsackie Branch2 Technology Drive, West Coxsackie, NY 12192September 28, 1974Full Service Brick and Mortar
    2253088Cairo Branch230 Matt Simons Road, Cairo, NY 12413November 12, 1988Full Service Brick and Mortar
    3253089Greenville Branch4 Garland Lane, Greenville, NY 12083November 22, 1997Full Service Brick and Mortar
    4356699Tannersville Branch6176 Main Street, Tannersville, NY 12485June 10, 2000Full Service Brick and Mortar
    5359531Westerlo Branch593 Ny Route 143, Westerlo, NY 12193Febuary 24, 2001Full Service Brick and Mortar
    64460057th Street Hudson Branch21 North 7th Street, Hudson, NY 12534November 14, 2005Full Service Brick and Mortar
    7461002Catskill Branch100 Catskill Commons, Catskill, NY 12414Febuary 01, 2007Full Service Retail
    8490051Ravena-Coeymans Branch2494 U.S. Route 9w, Ravena, NY 12143January 12, 2009Full Service Brick and Mortar
    9491851Ghent Branch2631 Route 66, Ghent, NY 12075January 12, 2008Full Service Brick and Mortar
    10496012Adminstrative Branch302 Main Street, Catskill, NY 12414October 01, 1999Limited Service Administrative
    11496013Greenport Branch106 Fairview Avenue, Hudson, NY 12534March 05, 2007Full Service Retail
    12513654Germantown Branch4266 State Route 9g, Germantown, NY 12526October 25, 2010Full Service Brick and Mortar

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