Call reports 2016
BANK OF CATTARAUGUS — 2016
What BANK OF CATTARAUGUS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 25,355,000 | 21,087,000 | 21,341,000 | 18,535,000 |
| Total loans | 7,748,000 | 7,829,000 | 7,951,000 | 7,894,000 |
| Allowance for loan losses | 136,000 | 136,000 | 121,000 | 130,000 |
| Securities available for sale | 63,000 | 53,000 | 52,000 | 52,000 |
| Securities held to maturity | 6,566,000 | 7,340,000 | 6,800,000 | 8,235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,689,000 | 19,398,000 | 19,624,000 | 16,807,000 |
| Interest-bearing deposits | 17,651,000 | 13,367,000 | 13,636,000 | 10,901,000 |
| Noninterest-bearing deposits | 6,038,000 | 6,031,000 | 5,988,000 | 5,906,000 |
| Equity capital | 1,661,000 | 1,677,000 | 1,702,000 | 1,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 211,000 | 434,000 | 654,000 | 881,000 |
| Interest expense | 6,000 | 12,000 | 18,000 | 24,000 |
| Net interest income | 205,000 | 422,000 | 636,000 | 857,000 |
| Noninterest income | 20,000 | 42,000 | 71,000 | 94,000 |
| Noninterest expense | 205,000 | 424,000 | 637,000 | 869,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 20,000 | 40,000 | 70,000 | 80,000 |
| Income tax | 3,000 | 6,000 | 11,000 | 6,000 |
| Net income | 17,000 | 34,000 | 59,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,658,000 | 1,675,000 | 1,700,000 | 1,715,000 |
| Total capital | 1,768,000 | 1,791,000 | 1,801,000 | 1,832,000 |
| Risk-weighted assets | 8,830,000 | 9,326,000 | 8,075,000 | 9,359,000 |