Call reports 2025
BANK OF CATTARAUGUS — 2025
What BANK OF CATTARAUGUS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 33,751,000 | 28,836,000 | 32,251,000 | 27,289,000 |
| Total loans | 16,822,000 | 16,530,000 | 17,019,000 | 16,979,000 |
| Allowance for loan losses | 206,000 | 206,000 | 206,000 | 212,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,329,000 | 7,165,000 | 7,031,000 | 7,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,564,000 | 25,532,000 | 28,867,000 | 23,918,000 |
| Interest-bearing deposits | 18,773,000 | 14,031,000 | 16,872,000 | 13,666,000 |
| Noninterest-bearing deposits | 11,791,000 | 11,501,000 | 11,995,000 | 10,252,000 |
| Equity capital | 3,157,000 | 3,271,000 | 3,337,000 | 3,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 920,000 | 1,360,000 | 1,842,000 |
| Interest expense | 32,000 | 72,000 | 100,000 | 138,000 |
| Net interest income | 402,000 | 848,000 | 1,260,000 | 1,704,000 |
| Noninterest income | 23,000 | 46,000 | 71,000 | 95,000 |
| Noninterest expense | 343,000 | 678,000 | 1,043,000 | 1,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 82,000 | 214,000 | 286,000 | 262,000 |
| Income tax | 8,000 | 26,000 | 32,000 | 20,000 |
| Net income | 74,000 | 188,000 | 254,000 | 242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,157,000 | 3,271,000 | 3,337,000 | 3,325,000 |
| Total capital | 3,363,000 | 3,477,000 | 3,543,000 | 3,537,000 |
| Risk-weighted assets | 18,801,000 | 18,780,000 | 19,234,000 | 19,126,000 |