Call reports 2009
CATTARAUGUS COUNTY BANK — 2009
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 147,915,000 | 146,475,000 | 149,206,000 | 154,334,000 |
| Total loans | 95,981,000 | 94,654,000 | 98,478,000 | 102,534,000 |
| Allowance for loan losses | 1,195,000 | 1,230,000 | 1,204,000 | 1,168,000 |
| Securities available for sale | 31,396,000 | 30,222,000 | 31,352,000 | 28,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,103,000 | 130,433,000 | 130,877,000 | 135,889,000 |
| Interest-bearing deposits | 101,521,000 | 99,195,000 | 101,163,000 | 102,970,000 |
| Noninterest-bearing deposits | 30,582,000 | 31,238,000 | 29,714,000 | 32,919,000 |
| Equity capital | 14,090,000 | 13,980,000 | 14,293,000 | 14,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,819,000 | 3,665,000 | 5,519,000 | 7,387,000 |
| Interest expense | 315,000 | 617,000 | 941,000 | 1,274,000 |
| Net interest income | 1,504,000 | 3,048,000 | 4,578,000 | 6,113,000 |
| Noninterest income | 326,000 | 666,000 | 1,011,000 | 1,396,000 |
| Noninterest expense | 1,604,000 | 3,316,000 | 4,983,000 | 6,690,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 310,000 |
| Pretax income | 167,000 | 279,000 | 428,000 | 600,000 |
| Income tax | 25,000 | 45,000 | 60,000 | 87,000 |
| Net income | 142,000 | 234,000 | 368,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,964,000 | 11,959,000 | 11,974,000 | 11,941,000 |
| Total capital | 13,131,000 | 13,113,000 | 13,171,000 | 13,109,000 |
| Risk-weighted assets | 100,780,000 | 101,490,000 | 104,378,000 | 105,453,000 |