Call reports 2008
CATTARAUGUS COUNTY BANK — 2008
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,552,000 | 151,097,000 | 149,188,000 | 147,635,000 |
| Total loans | 81,451,000 | 84,918,000 | 89,682,000 | 94,202,000 |
| Allowance for loan losses | 1,056,000 | 1,098,000 | 1,131,000 | 1,169,000 |
| Securities available for sale | 45,523,000 | 43,325,000 | 38,580,000 | 33,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,094,000 | 130,887,000 | 128,670,000 | 127,790,000 |
| Interest-bearing deposits | 106,088,000 | 96,982,000 | 95,531,000 | 96,649,000 |
| Noninterest-bearing deposits | 32,006,000 | 33,905,000 | 33,139,000 | 31,141,000 |
| Equity capital | 13,893,000 | 13,359,000 | 13,526,000 | 13,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,688,000 | 5,631,000 | 7,532,000 |
| Interest expense | 500,000 | 1,016,000 | 1,457,000 | 1,858,000 |
| Net interest income | 1,312,000 | 2,672,000 | 4,174,000 | 5,674,000 |
| Noninterest income | 329,000 | 675,000 | 1,018,000 | 1,361,000 |
| Noninterest expense | 1,430,000 | 3,039,000 | 4,658,000 | 6,296,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 174,000 | 234,000 | 423,000 | 608,000 |
| Income tax | 31,000 | 29,000 | 56,000 | 103,000 |
| Net income | 143,000 | 205,000 | 367,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,934,000 | 11,924,000 | 11,945,000 | 11,893,000 |
| Total capital | 12,990,000 | 13,018,000 | 13,076,000 | 13,054,000 |
| Risk-weighted assets | 96,444,000 | 97,225,000 | 100,351,000 | 99,106,000 |