Call reports 2014
BANK OF CATTARAUGUS — 2014
What BANK OF CATTARAUGUS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 22,286,000 | 17,496,000 | 18,633,000 | 16,784,000 |
| Total loans | 8,202,000 | 8,207,000 | 8,143,000 | 8,178,000 |
| Allowance for loan losses | 130,000 | 130,000 | 130,000 | 135,000 |
| Securities available for sale | 316,000 | 305,000 | 294,000 | 293,000 |
| Securities held to maturity | 4,568,000 | 4,752,000 | 4,750,000 | 5,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,754,000 | 15,948,000 | 17,052,000 | 15,206,000 |
| Interest-bearing deposits | 15,278,000 | 10,163,000 | 11,775,000 | 9,691,000 |
| Noninterest-bearing deposits | 5,476,000 | 5,785,000 | 5,277,000 | 5,515,000 |
| Equity capital | 1,526,000 | 1,542,000 | 1,576,000 | 1,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 208,000 | 418,000 | 629,000 | 839,000 |
| Interest expense | 5,000 | 10,000 | 16,000 | 21,000 |
| Net interest income | 203,000 | 408,000 | 613,000 | 818,000 |
| Noninterest income | 23,000 | 45,000 | 76,000 | 101,000 |
| Noninterest expense | 197,000 | 402,000 | 593,000 | 820,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 29,000 | 51,000 | 96,000 | 94,000 |
| Income tax | 7,000 | 13,000 | 24,000 | 24,000 |
| Net income | 22,000 | 38,000 | 72,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,511,000 | 1,530,000 | 1,558,000 | 1,566,000 |
| Total capital | 1,627,000 | 1,638,000 | 1,667,000 | 1,675,000 |
| Risk-weighted assets | 9,292,000 | 8,635,000 | 8,663,000 | 8,695,000 |