Call reports 2018
BANK OF CATTARAUGUS — 2018
What BANK OF CATTARAUGUS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 27,548,000 | 23,265,000 | 23,201,000 | 21,250,000 |
| Total loans | 8,718,000 | 8,474,000 | 8,423,000 | 8,295,000 |
| Allowance for loan losses | 128,000 | 129,000 | 129,000 | 130,000 |
| Securities available for sale | 40,000 | 30,000 | 30,000 | 30,000 |
| Securities held to maturity | 8,303,000 | 8,295,000 | 8,141,000 | 8,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,653,000 | 21,323,000 | 21,244,000 | 19,298,000 |
| Interest-bearing deposits | 18,983,000 | 14,510,000 | 15,033,000 | 13,376,000 |
| Noninterest-bearing deposits | 6,670,000 | 6,813,000 | 6,211,000 | 5,922,000 |
| Equity capital | 1,866,000 | 1,907,000 | 1,921,000 | 1,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 251,000 | 521,000 | 770,000 | 1,027,000 |
| Interest expense | 8,000 | 18,000 | 30,000 | 43,000 |
| Net interest income | 243,000 | 503,000 | 740,000 | 984,000 |
| Noninterest income | 20,000 | 41,000 | 63,000 | 72,000 |
| Noninterest expense | 217,000 | 446,000 | 687,000 | 940,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 46,000 | 98,000 | 116,000 | 114,000 |
| Income tax | 10,000 | 21,000 | 25,000 | 8,000 |
| Net income | 36,000 | 77,000 | 91,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,866,000 | 1,907,000 | 1,921,000 | 1,936,000 |
| Total capital | 1,989,000 | 2,028,000 | 2,039,000 | 2,053,000 |
| Risk-weighted assets | 9,913,000 | 9,730,000 | 9,496,000 | 9,424,000 |