Call reports 2006
BANK OF CATTARAUGUS — 2006
What BANK OF CATTARAUGUS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 13,278,000 | 12,664,000 | 12,488,000 | 12,353,000 |
| Total loans | 7,860,000 | 8,232,000 | 8,359,000 | 8,484,000 |
| Allowance for loan losses | 124,000 | 121,000 | 126,000 | 117,000 |
| Securities available for sale | 783,000 | 819,000 | 829,000 | 872,000 |
| Securities held to maturity | 1,426,000 | 1,427,000 | 1,427,000 | 1,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,841,000 | 11,218,000 | 11,022,000 | 10,891,000 |
| Interest-bearing deposits | 7,899,000 | 7,339,000 | 6,920,000 | 6,696,000 |
| Noninterest-bearing deposits | 3,942,000 | 3,879,000 | 4,102,000 | 4,195,000 |
| Equity capital | 1,419,000 | 1,432,000 | 1,457,000 | 1,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 197,000 | 410,000 | 625,000 | 836,000 |
| Interest expense | 21,000 | 46,000 | 73,000 | 101,000 |
| Net interest income | 176,000 | 364,000 | 552,000 | 735,000 |
| Noninterest income | 29,000 | 64,000 | 101,000 | 145,000 |
| Noninterest expense | 193,000 | 395,000 | 601,000 | 831,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,000 | 33,000 | 52,000 | 49,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 9,000 |
| Net income | 10,000 | 28,000 | 44,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,399,000 | 1,419,000 | 1,438,000 | 1,431,000 |
| Total capital | 1,479,000 | 1,503,000 | 1,522,000 | 1,515,000 |
| Risk-weighted assets | 6,358,000 | 6,663,000 | 6,706,000 | 6,648,000 |