Call reports 2021
BANK OF CATTARAUGUS — 2021
What BANK OF CATTARAUGUS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 30,772,000 | 28,467,000 | 28,220,000 | 25,855,000 |
| Total loans | 9,846,000 | 9,927,000 | 9,817,000 | 10,071,000 |
| Allowance for loan losses | 118,000 | 118,000 | 116,000 | 125,000 |
| Securities available for sale | 10,000 | 0 | 0 | 0 |
| Securities held to maturity | 8,533,000 | 8,553,000 | 8,545,000 | 8,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,561,000 | 26,228,000 | 25,932,000 | 23,528,000 |
| Interest-bearing deposits | 19,850,000 | 16,244,000 | 17,300,000 | 15,009,000 |
| Noninterest-bearing deposits | 8,711,000 | 9,984,000 | 8,632,000 | 8,519,000 |
| Equity capital | 2,186,000 | 2,217,000 | 2,263,000 | 2,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 246,000 | 500,000 | 771,000 | 1,042,000 |
| Interest expense | 3,000 | 6,000 | 9,000 | 12,000 |
| Net interest income | 243,000 | 494,000 | 762,000 | 1,030,000 |
| Noninterest income | 21,000 | 43,000 | 65,000 | 84,000 |
| Noninterest expense | 245,000 | 486,000 | 730,000 | 991,000 |
| Provision for loan losses | 0 | 0 | 0 | 9,000 |
| Pretax income | 19,000 | 51,000 | 97,000 | 114,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 19,000 | 50,000 | 96,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,186,000 | 2,217,000 | 2,263,000 | 2,280,000 |
| Total capital | 2,304,000 | 2,335,000 | 2,379,000 | 2,405,000 |
| Risk-weighted assets | 11,143,000 | 11,194,000 | 11,215,000 | 11,601,000 |