Call reports 2006
CATTARAUGUS COUNTY BANK — 2006
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 137,752,000 | 136,537,000 | 137,717,000 | 132,657,000 |
| Total loans | 79,959,000 | 79,997,000 | 79,430,000 | 78,474,000 |
| Allowance for loan losses | 880,000 | 1,004,000 | 1,076,000 | 993,000 |
| Securities available for sale | 38,724,000 | 39,762,000 | 37,346,000 | 36,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,155,000 | 117,440,000 | 121,501,000 | 116,852,000 |
| Interest-bearing deposits | 82,330,000 | 78,553,000 | 82,802,000 | 81,717,000 |
| Noninterest-bearing deposits | 39,825,000 | 38,887,000 | 38,699,000 | 35,135,000 |
| Equity capital | 11,939,000 | 12,457,000 | 12,765,000 | 12,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,782,000 | 3,599,000 | 5,513,000 | 7,407,000 |
| Interest expense | 376,000 | 775,000 | 1,242,000 | 1,701,000 |
| Net interest income | 1,406,000 | 2,824,000 | 4,271,000 | 5,706,000 |
| Noninterest income | 321,000 | 661,000 | 963,000 | 1,274,000 |
| Noninterest expense | 1,414,000 | 2,805,000 | 4,196,000 | 5,641,000 |
| Provision for loan losses | 82,000 | 165,000 | 227,000 | 227,000 |
| Pretax income | 231,000 | 515,000 | 807,000 | 1,108,000 |
| Income tax | 44,000 | 112,000 | 171,000 | 219,000 |
| Net income | 187,000 | 940,000 | 1,173,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,389,000 | 12,048,000 | 12,035,000 | 12,089,000 |
| Total capital | 12,269,000 | 13,052,000 | 13,111,000 | 13,052,000 |
| Risk-weighted assets | 86,841,000 | 86,765,000 | 87,315,000 | 85,296,000 |