Call reports 2009
BANK OF CATTARAUGUS — 2009
What BANK OF CATTARAUGUS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 13,581,000 | 13,406,000 | 14,540,000 | 12,819,000 |
| Total loans | 8,201,000 | 8,172,000 | 8,218,000 | 8,152,000 |
| Allowance for loan losses | 101,000 | 102,000 | 104,000 | 100,000 |
| Securities available for sale | 2,008,000 | 858,000 | 857,000 | 536,000 |
| Securities held to maturity | 392,000 | 0 | 2,538,000 | 2,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,794,000 | 11,592,000 | 12,700,000 | 10,919,000 |
| Interest-bearing deposits | 7,404,000 | 6,715,000 | 7,985,000 | 6,778,000 |
| Noninterest-bearing deposits | 4,390,000 | 4,877,000 | 4,715,000 | 4,141,000 |
| Equity capital | 893,000 | 917,000 | 947,000 | 1,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 187,000 | 387,000 | 573,000 | 773,000 |
| Interest expense | 11,000 | 21,000 | 30,000 | 41,000 |
| Net interest income | 176,000 | 366,000 | 543,000 | 732,000 |
| Noninterest income | 29,000 | 54,000 | 80,000 | 123,000 |
| Noninterest expense | 186,000 | 385,000 | 567,000 | 846,000 |
| Provision for loan losses | 0 | 0 | 0 | -6,000 |
| Pretax income | 19,000 | 35,000 | 56,000 | 15,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 3,000 |
| Net income | 14,000 | 26,000 | 42,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,308,000 | 1,324,000 | 1,345,000 | 1,374,000 |
| Total capital | 1,392,000 | 1,407,000 | 1,434,000 | 1,461,000 |
| Risk-weighted assets | 6,706,000 | 6,587,000 | 7,113,000 | 6,933,000 |