Call reports 2024
BANK OF CATTARAUGUS — 2024
What BANK OF CATTARAUGUS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 33,864,000 | 29,024,000 | 29,865,000 | 26,120,000 |
| Total loans | 13,935,000 | 15,020,000 | 15,248,000 | 16,311,000 |
| Allowance for loan losses | 201,000 | 201,000 | 201,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,140,000 | 7,722,000 | 7,583,000 | 7,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,899,000 | 25,963,000 | 26,745,000 | 22,874,000 |
| Interest-bearing deposits | 18,795,000 | 15,362,000 | 16,621,000 | 13,467,000 |
| Noninterest-bearing deposits | 12,104,000 | 10,601,000 | 10,124,000 | 9,407,000 |
| Equity capital | 2,921,000 | 3,032,000 | 3,093,000 | 3,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 424,000 | 893,000 | 1,290,000 | 1,722,000 |
| Interest expense | 30,000 | 69,000 | 99,000 | 134,000 |
| Net interest income | 394,000 | 824,000 | 1,191,000 | 1,588,000 |
| Noninterest income | 20,000 | 44,000 | 67,000 | 90,000 |
| Noninterest expense | 311,000 | 636,000 | 965,000 | 1,394,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 103,000 | 232,000 | 293,000 | 280,000 |
| Income tax | 12,000 | 30,000 | 30,000 | 27,000 |
| Net income | 91,000 | 202,000 | 263,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,921,000 | 3,032,000 | 3,093,000 | 3,083,000 |
| Total capital | 3,122,000 | 3,233,000 | 3,294,000 | 3,288,000 |
| Risk-weighted assets | 16,083,000 | 17,112,000 | 17,267,000 | 18,377,000 |