Call reports 2017
BANK OF CATTARAUGUS — 2017
What BANK OF CATTARAUGUS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 24,312,000 | 20,464,000 | 20,981,000 | 19,506,000 |
| Total loans | 8,389,000 | 8,584,000 | 8,709,000 | 8,712,000 |
| Allowance for loan losses | 131,000 | 131,000 | 131,000 | 138,000 |
| Securities available for sale | 51,000 | 41,000 | 41,000 | 40,000 |
| Securities held to maturity | 8,229,000 | 8,223,000 | 8,330,000 | 8,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,555,000 | 18,667,000 | 19,129,000 | 17,657,000 |
| Interest-bearing deposits | 16,337,000 | 12,499,000 | 13,374,000 | 11,714,000 |
| Noninterest-bearing deposits | 6,218,000 | 6,168,000 | 5,755,000 | 5,943,000 |
| Equity capital | 1,740,000 | 1,776,000 | 1,816,000 | 1,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 475,000 | 717,000 | 965,000 |
| Interest expense | 6,000 | 11,000 | 17,000 | 24,000 |
| Net interest income | 226,000 | 464,000 | 700,000 | 941,000 |
| Noninterest income | 21,000 | 43,000 | 68,000 | 94,000 |
| Noninterest expense | 219,000 | 437,000 | 649,000 | 911,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 28,000 | 70,000 | 119,000 | 117,000 |
| Income tax | 4,000 | 10,000 | 18,000 | 2,000 |
| Net income | 24,000 | 60,000 | 101,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,739,000 | 1,775,000 | 1,816,000 | 1,830,000 |
| Total capital | 1,859,000 | 1,897,000 | 1,939,000 | 1,953,000 |
| Risk-weighted assets | 9,613,000 | 9,752,000 | 9,861,000 | 9,853,000 |