Call reports 2015
BANK OF CATTARAUGUS — 2015
What BANK OF CATTARAUGUS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 22,324,000 | 18,621,000 | 19,903,000 | 18,216,000 |
| Total loans | 8,042,000 | 7,876,000 | 7,881,000 | 7,872,000 |
| Allowance for loan losses | 134,000 | 133,000 | 133,000 | 135,000 |
| Securities available for sale | 293,000 | 66,000 | 66,000 | 65,000 |
| Securities held to maturity | 6,212,000 | 6,583,000 | 6,579,000 | 6,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,723,000 | 17,000,000 | 18,267,000 | 16,565,000 |
| Interest-bearing deposits | 15,045,000 | 11,081,000 | 12,993,000 | 11,244,000 |
| Noninterest-bearing deposits | 5,678,000 | 5,919,000 | 5,274,000 | 5,321,000 |
| Equity capital | 1,597,000 | 1,616,000 | 1,629,000 | 1,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 432,000 | 645,000 | 869,000 |
| Interest expense | 5,000 | 11,000 | 17,000 | 22,000 |
| Net interest income | 211,000 | 421,000 | 628,000 | 847,000 |
| Noninterest income | 20,000 | 43,000 | 71,000 | 117,000 |
| Noninterest expense | 200,000 | 407,000 | 624,000 | 872,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 31,000 | 57,000 | 75,000 | 90,000 |
| Income tax | 8,000 | 14,000 | 19,000 | 17,000 |
| Net income | 23,000 | 43,000 | 56,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,591,000 | 1,611,000 | 1,624,000 | 1,641,000 |
| Total capital | 1,703,000 | 1,722,000 | 1,735,000 | 1,752,000 |
| Risk-weighted assets | 8,977,000 | 8,914,000 | 8,937,000 | 8,922,000 |