Call reports 2023
BANK OF CATTARAUGUS — 2023
What BANK OF CATTARAUGUS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 34,762,000 | 27,844,000 | 34,110,000 | 31,503,000 |
| Total loans | 13,084,000 | 13,420,000 | 13,829,000 | 14,033,000 |
| Allowance for loan losses | 172,000 | 164,000 | 201,000 | 201,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,277,000 | 8,220,000 | 8,157,000 | 8,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,114,000 | 25,046,000 | 31,235,000 | 28,648,000 |
| Interest-bearing deposits | 20,057,000 | 14,653,000 | 15,128,000 | 13,524,000 |
| Noninterest-bearing deposits | 12,057,000 | 10,393,000 | 16,107,000 | 15,124,000 |
| Equity capital | 2,608,000 | 2,740,000 | 2,804,000 | 2,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 861,000 | 1,329,000 | 1,797,000 |
| Interest expense | 12,000 | 28,000 | 79,000 | 110,000 |
| Net interest income | 398,000 | 833,000 | 1,250,000 | 1,687,000 |
| Noninterest income | 22,000 | 46,000 | 69,000 | 94,000 |
| Noninterest expense | 302,000 | 599,000 | 921,000 | 1,370,000 |
| Provision for loan losses | 0 | -8,000 | 27,000 | 27,000 |
| Pretax income | 118,000 | 288,000 | 371,000 | 384,000 |
| Income tax | 0 | 37,000 | 57,000 | 44,000 |
| Net income | 118,000 | 251,000 | 314,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,608,000 | 2,740,000 | 2,804,000 | 2,830,000 |
| Total capital | 2,758,000 | 2,904,000 | 2,999,000 | 3,029,000 |
| Risk-weighted assets | 14,998,000 | 15,398,000 | 15,603,000 | 15,992,000 |