Call reports 2022
BANK OF CATTARAUGUS — 2022
What BANK OF CATTARAUGUS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 32,835,000 | 28,999,000 | 35,007,000 | 30,429,000 |
| Total loans | 10,854,000 | 11,554,000 | 12,744,000 | 12,936,000 |
| Allowance for loan losses | 125,000 | 125,000 | 135,000 | 150,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,673,000 | 8,307,000 | 8,299,000 | 8,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,451,000 | 26,555,000 | 32,500,000 | 27,849,000 |
| Interest-bearing deposits | 20,542,000 | 15,863,000 | 17,127,000 | 14,744,000 |
| Noninterest-bearing deposits | 9,909,000 | 10,692,000 | 15,373,000 | 13,105,000 |
| Equity capital | 2,344,000 | 2,405,000 | 2,469,000 | 2,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 561,000 | 914,000 | 1,327,000 |
| Interest expense | 3,000 | 6,000 | 9,000 | 20,000 |
| Net interest income | 263,000 | 555,000 | 905,000 | 1,307,000 |
| Noninterest income | 73,000 | 94,000 | 117,000 | 156,000 |
| Noninterest expense | 272,000 | 523,000 | 822,000 | 1,184,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 25,000 |
| Pretax income | 64,000 | 126,000 | 190,000 | 254,000 |
| Income tax | 0 | 1,000 | 1,000 | 22,000 |
| Net income | 64,000 | 125,000 | 189,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,344,000 | 2,405,000 | 2,469,000 | 2,512,000 |
| Total capital | 2,469,000 | 2,530,000 | 2,604,000 | 2,662,000 |
| Risk-weighted assets | 12,012,000 | 13,117,000 | 14,212,000 | 14,469,000 |