Call reports 2012
BANK OF CATTARAUGUS — 2012
What BANK OF CATTARAUGUS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 19,529,000 | 15,258,000 | 16,589,000 | 14,457,000 |
| Total loans | 7,650,000 | 7,385,000 | 7,612,000 | 7,735,000 |
| Allowance for loan losses | 111,000 | 112,000 | 111,000 | 120,000 |
| Securities available for sale | 348,000 | 349,000 | 336,000 | 335,000 |
| Securities held to maturity | 3,482,000 | 4,478,000 | 4,476,000 | 4,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,139,000 | 13,862,000 | 15,183,000 | 12,437,000 |
| Interest-bearing deposits | 12,006,000 | 8,200,000 | 10,055,000 | 8,048,000 |
| Noninterest-bearing deposits | 6,133,000 | 5,662,000 | 5,128,000 | 4,389,000 |
| Equity capital | 1,383,000 | 1,388,000 | 1,401,000 | 1,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 191,000 | 385,000 | 584,000 | 809,000 |
| Interest expense | 5,000 | 11,000 | 15,000 | 20,000 |
| Net interest income | 186,000 | 374,000 | 569,000 | 789,000 |
| Noninterest income | 28,000 | 52,000 | 78,000 | 103,000 |
| Noninterest expense | 193,000 | 398,000 | 602,000 | 831,000 |
| Provision for loan losses | 0 | 0 | 0 | 8,000 |
| Pretax income | 21,000 | 28,000 | 45,000 | 53,000 |
| Income tax | 5,000 | 7,000 | 11,000 | 12,000 |
| Net income | 16,000 | 21,000 | 34,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,336,000 | 1,340,000 | 1,360,000 | 1,360,000 |
| Total capital | 1,438,000 | 1,448,000 | 1,471,000 | 1,475,000 |
| Risk-weighted assets | 8,177,000 | 8,650,000 | 9,552,000 | 9,194,000 |