Call reports 2007
CATTARAUGUS COUNTY BANK — 2007
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 137,840,000 | 132,596,000 | 133,641,000 | 130,988,000 |
| Total loans | 78,751,000 | 77,753,000 | 78,671,000 | 79,222,000 |
| Allowance for loan losses | 1,019,000 | 1,090,000 | 1,014,000 | 1,017,000 |
| Securities available for sale | 37,883,000 | 38,044,000 | 37,364,000 | 33,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,966,000 | 117,630,000 | 117,532,000 | 115,127,000 |
| Interest-bearing deposits | 87,516,000 | 79,061,000 | 77,012,000 | 81,234,000 |
| Noninterest-bearing deposits | 35,450,000 | 38,569,000 | 40,520,000 | 33,893,000 |
| Equity capital | 13,135,000 | 13,071,000 | 13,445,000 | 13,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,867,000 | 3,782,000 | 5,675,000 | 7,527,000 |
| Interest expense | 446,000 | 918,000 | 1,424,000 | 1,925,000 |
| Net interest income | 1,421,000 | 2,864,000 | 4,251,000 | 5,602,000 |
| Noninterest income | 344,000 | 683,000 | 1,033,000 | 1,406,000 |
| Noninterest expense | 1,425,000 | 2,862,000 | 4,261,000 | 5,715,000 |
| Provision for loan losses | 46,000 | 93,000 | 108,000 | 108,000 |
| Pretax income | 294,000 | 593,000 | 916,000 | 1,188,000 |
| Income tax | 66,000 | 130,000 | 206,000 | 259,000 |
| Net income | 373,000 | 608,000 | 855,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,308,000 | 12,447,000 | 12,553,000 | 12,389,000 |
| Total capital | 13,327,000 | 13,416,000 | 13,519,000 | 13,361,000 |
| Risk-weighted assets | 87,359,000 | 86,332,000 | 86,031,000 | 87,655,000 |