Call reports 2007
BANK OF CATTARAUGUS — 2007
What BANK OF CATTARAUGUS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 13,391,000 | 12,647,000 | 13,675,000 | 13,528,000 |
| Total loans | 8,529,000 | 8,762,000 | 8,773,000 | 8,571,000 |
| Allowance for loan losses | 118,000 | 119,000 | 120,000 | 100,000 |
| Securities available for sale | 876,000 | 1,115,000 | 918,000 | 907,000 |
| Securities held to maturity | 1,429,000 | 1,429,000 | 1,557,000 | 1,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,894,000 | 10,667,000 | 12,183,000 | 11,946,000 |
| Interest-bearing deposits | 7,811,000 | 6,389,000 | 8,157,000 | 7,815,000 |
| Noninterest-bearing deposits | 4,083,000 | 4,278,000 | 4,026,000 | 4,131,000 |
| Equity capital | 1,468,000 | 1,477,000 | 1,478,000 | 1,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 223,000 | 448,000 | 670,000 | 911,000 |
| Interest expense | 27,000 | 55,000 | 101,000 | 162,000 |
| Net interest income | 196,000 | 393,000 | 569,000 | 749,000 |
| Noninterest income | 31,000 | 64,000 | 105,000 | 110,000 |
| Noninterest expense | 211,000 | 425,000 | 649,000 | 847,000 |
| Provision for loan losses | 0 | 0 | 0 | -34,000 |
| Pretax income | 16,000 | 32,000 | 25,000 | 46,000 |
| Income tax | 2,000 | 5,000 | 4,000 | 4,000 |
| Net income | 14,000 | 27,000 | 21,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,451,000 | 1,467,000 | 1,459,000 | 1,395,000 |
| Total capital | 1,537,000 | 1,554,000 | 1,548,000 | 1,482,000 |
| Risk-weighted assets | 6,880,000 | 6,935,000 | 7,066,000 | 6,937,000 |