Call reports 2013
BANK OF CATTARAUGUS — 2013
What BANK OF CATTARAUGUS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 19,660,000 | 16,855,000 | 17,412,000 | 16,248,000 |
| Total loans | 7,731,000 | 7,699,000 | 7,624,000 | 7,906,000 |
| Allowance for loan losses | 120,000 | 120,000 | 120,000 | 130,000 |
| Securities available for sale | 335,000 | 329,000 | 317,000 | 316,000 |
| Securities held to maturity | 4,581,000 | 4,579,000 | 4,577,000 | 4,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,223,000 | 15,403,000 | 15,904,000 | 14,734,000 |
| Interest-bearing deposits | 12,690,000 | 10,200,000 | 11,154,000 | 9,648,000 |
| Noninterest-bearing deposits | 5,533,000 | 5,203,000 | 4,750,000 | 5,086,000 |
| Equity capital | 1,430,000 | 1,446,000 | 1,468,000 | 1,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 203,000 | 403,000 | 601,000 | 807,000 |
| Interest expense | 5,000 | 11,000 | 16,000 | 21,000 |
| Net interest income | 198,000 | 392,000 | 585,000 | 786,000 |
| Noninterest income | 20,000 | 46,000 | 73,000 | 149,000 |
| Noninterest expense | 197,000 | 387,000 | 578,000 | 808,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 21,000 | 51,000 | 80,000 | 117,000 |
| Income tax | 5,000 | 13,000 | 20,000 | 20,000 |
| Net income | 16,000 | 38,000 | 60,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,376,000 | 1,410,000 | 1,440,000 | 1,476,000 |
| Total capital | 1,489,000 | 1,522,000 | 1,552,000 | 1,588,000 |
| Risk-weighted assets | 9,048,000 | 8,974,000 | 8,967,000 | 8,925,000 |