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
No
ID
Name
Address
Established
Service Type
Map
0
422514
Greene County Commercial Bank
425 Main Street, Catskill, NY 12414
May 20, 2004
Full Service Brick and Mortar
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