Vitals
  • Total Assets
    2.5B -3.1 %
  • Total Deposits
    1.8B -1.0 %
  • Total Net Loans
    1.7B 4.7 %
  • Net Income
    27.7M -1.6 %
  • Book Value
    276.1M 9.1 %
  • Book Value x2
    552.3M 9.1 %
  • Book Value x3
    828.4M 9.1 %
ROAA

1.075

ROAE

10.407

Efficiency Ratio

55.995

Net Interest Margin

3.921

Balance Sheet Highlights
Financial Highlights Hudson River Bank & Trust Company All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets 2,496,609 2,972,347
Total Net Loans 1,674,441 1,603,293
Total Deposits 1,805,090 1,699,467
Total Equity 276,637 380,170
Profitability
Net Income 27,683 48,814
Return on Average Assets 1.075 .987
Return on Average Equity 10.407 10.365
Net Interest Margin 3.921 3.515
Efficiency Ratio 55.995 64.696
Noninterest Income/Revenue 9.534 14.011
Balance Sheet Ratios
Loan-to-Deposit 92.762 77.052
Securities/Assets .24 .488
Total Equity/Total Assets .111 .128
Tangible Equity/Tangible Assets .084 -.159
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 213,798 237,129
Tier 2 Capital 19,061 16,763
Total Capital 232,859 268,399
Total Risk Weighted Assets 1,503,468 1,630,343
Leverage Ratio 8.7 9.082
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.22 16.965
Total Capital Ratio 15.49 17.853

Timeline for Hudson River Bank & Trust Company

First Niagara Bank, National Association

Hudson River Bank & Trust Company was acquired by First Niagara Bank, National Association 19 years

View Profile Jan 15 2005

Hudson River Commercial Bank

Hudson River Commercial Bank became a new subsidiary organization for Hudson River Bank & Trust Company.

View Profile Nov 15 2002

Mohawk Community Bank

Acquisition: Hudson River Bank & Trust Company acquired a new subsidiary, Mohawk Community Bank, 22 years

View Profile Mar 09 2002

Ambanc Holding Co., Inc.

Acquisition: Hudson River Bank & Trust Company acquired a new subsidiary, Ambanc Holding Co., Inc. , 22 years

View Profile Mar 09 2002

Cohoes Savings Bank

Acquisition: Hudson River Bank & Trust Company acquired a new subsidiary, Cohoes Savings Bank, 23 years

View Profile Apr 21 2001

Want to see more?

Complete timeline for Hudson River Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Niagara Bank, National Association Buyer 32,925,808 Discontinued 1/15/2005
Mohawk Community Bank Seller 662,309 Acquisition Discontinued 3/9/2002
Ambanc Holding Co., Inc. Seller Acquisition Discontinued 3/9/2002
Cohoes Savings Bank Seller 702,827 Acquisition Discontinued 4/21/2001
Schenectady Federal Savings Bank Seller 180,259 Acquisition Discontinued 9/4/1999
Valatie Savings And Loan Association Seller 4,673 Pooling of Interests Discontinued 12/20/1995
Relationships Role Relationship Start Relationship End
Hudson River Bancorp, Inc. Parent 7/1/1998 1/14/2005
Hudson River Commercial Bank Subsidary 11/15/2002 1/14/2005
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