Call reports 2010
BANK OF CATTARAUGUS — 2010
What BANK OF CATTARAUGUS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 15,985,000 | 14,687,000 | 15,851,000 | 14,620,000 |
| Total loans | 7,919,000 | 7,827,000 | 7,948,000 | 7,817,000 |
| Allowance for loan losses | 102,000 | 102,000 | 103,000 | 100,000 |
| Securities available for sale | 442,000 | 431,000 | 421,000 | 403,000 |
| Securities held to maturity | 2,587,000 | 4,497,000 | 2,739,000 | 2,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,246,000 | 12,935,000 | 14,074,000 | 12,887,000 |
| Interest-bearing deposits | 9,477,000 | 8,354,000 | 8,569,000 | 8,481,000 |
| Noninterest-bearing deposits | 4,769,000 | 4,581,000 | 5,505,000 | 4,406,000 |
| Equity capital | 1,150,000 | 1,162,000 | 1,185,000 | 1,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 187,000 | 375,000 | 578,000 | 777,000 |
| Interest expense | 8,000 | 18,000 | 25,000 | 33,000 |
| Net interest income | 179,000 | 357,000 | 553,000 | 744,000 |
| Noninterest income | 25,000 | 49,000 | 123,000 | 147,000 |
| Noninterest expense | 188,000 | 373,000 | 614,000 | 885,000 |
| Provision for loan losses | 0 | 0 | 0 | -3,000 |
| Pretax income | 16,000 | 33,000 | 62,000 | 9,000 |
| Income tax | 4,000 | 8,000 | 15,000 | 3,000 |
| Net income | 12,000 | 25,000 | 47,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,390,000 | 1,408,000 | 1,436,000 | 1,375,000 |
| Total capital | 1,476,000 | 1,504,000 | 1,533,000 | 1,468,000 |
| Risk-weighted assets | 6,846,000 | 7,698,000 | 7,782,000 | 7,472,000 |