Call reports 2020
BANK OF CATTARAUGUS — 2020
What BANK OF CATTARAUGUS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 28,931,000 | 23,556,000 | 25,255,000 | 23,717,000 |
| Total loans | 10,264,000 | 10,398,000 | 10,230,000 | 9,852,000 |
| Allowance for loan losses | 130,000 | 131,000 | 125,000 | 130,000 |
| Securities available for sale | 20,000 | 10,000 | 10,000 | 10,000 |
| Securities held to maturity | 8,198,000 | 8,432,000 | 8,612,000 | 8,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,819,000 | 21,402,000 | 23,065,000 | 21,525,000 |
| Interest-bearing deposits | 19,515,000 | 13,573,000 | 15,767,000 | 13,713,000 |
| Noninterest-bearing deposits | 7,304,000 | 7,829,000 | 7,298,000 | 7,812,000 |
| Equity capital | 2,092,000 | 2,132,000 | 2,167,000 | 2,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 529,000 | 790,000 | 1,045,000 |
| Interest expense | 13,000 | 17,000 | 19,000 | 22,000 |
| Net interest income | 257,000 | 512,000 | 771,000 | 1,023,000 |
| Noninterest income | 20,000 | 41,000 | 62,000 | 81,000 |
| Noninterest expense | 240,000 | 474,000 | 718,000 | 988,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 37,000 | 79,000 | 115,000 | 111,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 1,000 |
| Net income | 35,000 | 75,000 | 110,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,092,000 | 2,132,000 | 2,167,000 | 2,167,000 |
| Total capital | 2,222,000 | 2,263,000 | 2,292,000 | 2,297,000 |
| Risk-weighted assets | 11,245,000 | 11,719,000 | 11,533,000 | 11,057,000 |