Call reports 2011
BANK OF CATTARAUGUS — 2011
What BANK OF CATTARAUGUS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 18,486,000 | 14,584,000 | 16,234,000 | 14,043,000 |
| Total loans | 7,665,000 | 7,396,000 | 7,511,000 | 7,643,000 |
| Allowance for loan losses | 101,000 | 102,000 | 105,000 | 110,000 |
| Securities available for sale | 402,000 | 364,000 | 355,000 | 347,000 |
| Securities held to maturity | 2,782,000 | 2,895,000 | 2,893,000 | 3,485,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,738,000 | 12,825,000 | 14,484,000 | 12,668,000 |
| Interest-bearing deposits | 11,613,000 | 7,283,000 | 9,121,000 | 7,875,000 |
| Noninterest-bearing deposits | 5,125,000 | 5,542,000 | 5,363,000 | 4,793,000 |
| Equity capital | 1,127,000 | 1,134,000 | 1,126,000 | 1,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 193,000 | 376,000 | 563,000 | 754,000 |
| Interest expense | 7,000 | 14,000 | 19,000 | 25,000 |
| Net interest income | 186,000 | 362,000 | 544,000 | 729,000 |
| Noninterest income | 22,000 | 48,000 | 77,000 | 99,000 |
| Noninterest expense | 188,000 | 383,000 | 610,000 | 1,047,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 20,000 | 27,000 | 11,000 | -223,000 |
| Income tax | 5,000 | 7,000 | 3,000 | -8,000 |
| Net income | 15,000 | 20,000 | 8,000 | -215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,394,000 | 1,401,000 | 1,388,000 | 1,306,000 |
| Total capital | 1,488,000 | 1,501,000 | 1,487,000 | 1,409,000 |
| Risk-weighted assets | 7,525,000 | 8,006,000 | 7,939,000 | 8,268,000 |