Call reports 2019
BANK OF CATTARAUGUS — 2019
What BANK OF CATTARAUGUS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 28,344,000 | 24,092,000 | 23,927,000 | 21,796,000 |
| Total loans | 8,590,000 | 9,152,000 | 9,744,000 | 10,012,000 |
| Allowance for loan losses | 130,000 | 130,000 | 128,000 | 130,000 |
| Securities available for sale | 30,000 | 20,000 | 20,000 | 20,000 |
| Securities held to maturity | 8,099,000 | 7,957,000 | 7,793,000 | 7,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,348,000 | 22,041,000 | 21,852,000 | 19,717,000 |
| Interest-bearing deposits | 19,944,000 | 15,017,000 | 15,300,000 | 13,077,000 |
| Noninterest-bearing deposits | 6,404,000 | 7,024,000 | 6,552,000 | 6,640,000 |
| Equity capital | 1,972,000 | 2,020,000 | 2,049,000 | 2,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 544,000 | 812,000 | 1,085,000 |
| Interest expense | 13,000 | 30,000 | 42,000 | 56,000 |
| Net interest income | 251,000 | 514,000 | 770,000 | 1,029,000 |
| Noninterest income | 20,000 | 42,000 | 65,000 | 84,000 |
| Noninterest expense | 231,000 | 460,000 | 709,000 | 979,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 40,000 | 96,000 | 126,000 | 132,000 |
| Income tax | 4,000 | 12,000 | 13,000 | 11,000 |
| Net income | 36,000 | 84,000 | 113,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,972,000 | 2,020,000 | 2,049,000 | 2,056,000 |
| Total capital | 2,096,000 | 2,150,000 | 2,177,000 | 2,186,000 |
| Risk-weighted assets | 9,920,000 | 10,617,000 | 10,868,000 | 10,836,000 |