Call reports 2008
BANK OF CATTARAUGUS — 2008
What BANK OF CATTARAUGUS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 16,106,000 | 14,199,000 | 14,547,000 | 12,455,000 |
| Total loans | 8,287,000 | 8,201,000 | 8,092,000 | 8,074,000 |
| Allowance for loan losses | 101,000 | 102,000 | 102,000 | 100,000 |
| Securities available for sale | 913,000 | 1,965,000 | 1,934,000 | 2,476,000 |
| Securities held to maturity | 1,589,000 | 786,000 | 787,000 | 392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,500,000 | 12,583,000 | 12,949,000 | 10,463,000 |
| Interest-bearing deposits | 10,623,000 | 8,055,000 | 9,050,000 | 6,305,000 |
| Noninterest-bearing deposits | 3,877,000 | 4,528,000 | 3,899,000 | 4,158,000 |
| Equity capital | 1,346,000 | 1,343,000 | 1,371,000 | 895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 229,000 | 449,000 | 658,000 | 884,000 |
| Interest expense | 48,000 | 88,000 | 116,000 | 140,000 |
| Net interest income | 181,000 | 361,000 | 542,000 | 744,000 |
| Noninterest income | 28,000 | 59,000 | 96,000 | 262,000 |
| Noninterest expense | 204,000 | 402,000 | 608,000 | 963,000 |
| Provision for loan losses | 0 | 0 | 0 | -13,000 |
| Pretax income | 5,000 | 18,000 | 30,000 | 56,000 |
| Income tax | 1,000 | 4,000 | 6,000 | 13,000 |
| Net income | 4,000 | 14,000 | 24,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,399,000 | 1,413,000 | 1,425,000 | 1,288,000 |
| Total capital | 1,491,000 | 1,502,000 | 1,513,000 | 1,372,000 |
| Risk-weighted assets | 7,359,000 | 7,081,000 | 7,001,000 | 6,725,000 |