Catskill Hudson Bank

Catskill Hudson Bank is headquartered in Rock Hill and is the 101^st largest bank in the state of New York. It is also the 1,868^th largest bank in the nation. It was established in 1993 and as of December of 2011, it had grown to 77 employees at 13 locations. Catskill Hudson Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Catskill Hudson Bank FDIC Certificate # 33859 BankRate Report View Year Established 1993 Employees 77 Primary Regulator FDIC Assets and Liabilities Assets $351.67 million Loans $169.86 million Deposits $315.58 million Equity Capital $29.79 million Loan Loss Allowance $3.71 million Unbacked Noncurrent Loans $4.59 million Real Estate Owned $125,000 Historic Data - December 2010 Assets $322.26 million Equity Capital $22.75 million Loan Loss Allowance $2.85 million Unbacked Noncurrent Loans $2.32 million Real Estate Owned $529,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.55% Return on Equity 7.51% Interest Income $15.42 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Catskill Hudson Bank had $4.72 million in non-current loans and owned real-estate with $33.5 million in equity and loan loss allowances on hand to cover it. This gives Catskill Hudson Bank a Texas Ratio of 14.07% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Catskill Hudson Bank held steady from 11.12% as of December 31, 2010 to 14.07% as of December 31, 2011, resulting in a negative change of 26.58%. This indicates that the balance sheet and financial strength for Catskill Hudson Bank has held steady in recent periods. Deposit Growth In the past year, Catskill Hudson Bank has increased its total deposits by $24.96 million, resulting in 8.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Catskill Hudson Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Catskill Hudson Bank has $351.67 million in assets with $33.5 million in equity, resulting in a capitalization level of 9.53%, which is average.

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