Call reports 2010
CATTARAUGUS COUNTY BANK — 2010
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 162,736,000 | 164,000,000 | 170,682,000 | 173,643,000 |
| Total loans | 103,732,000 | 102,958,000 | 103,485,000 | 102,501,000 |
| Allowance for loan losses | 1,211,000 | 1,320,000 | 1,593,000 | 1,746,000 |
| Securities available for sale | 32,726,000 | 34,674,000 | 38,890,000 | 43,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,673,000 | 145,422,000 | 151,970,000 | 155,105,000 |
| Interest-bearing deposits | 103,133,000 | 115,478,000 | 121,060,000 | 123,481,000 |
| Noninterest-bearing deposits | 41,540,000 | 29,944,000 | 30,910,000 | 31,624,000 |
| Equity capital | 14,219,000 | 14,371,000 | 14,472,000 | 14,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,866,000 | 3,770,000 | 5,751,000 | 7,716,000 |
| Interest expense | 330,000 | 674,000 | 1,038,000 | 1,403,000 |
| Net interest income | 1,536,000 | 3,096,000 | 4,713,000 | 6,313,000 |
| Noninterest income | 316,000 | 679,000 | 1,004,000 | 1,367,000 |
| Noninterest expense | 1,678,000 | 3,387,000 | 5,112,000 | 6,877,000 |
| Provision for loan losses | 90,000 | 225,000 | 375,000 | 525,000 |
| Pretax income | 84,000 | 201,000 | 481,000 | 529,000 |
| Income tax | 2,000 | 16,000 | 56,000 | 61,000 |
| Net income | 82,000 | 185,000 | 425,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,966,000 | 12,037,000 | 12,238,000 | 12,217,000 |
| Total capital | 13,177,000 | 13,282,000 | 13,528,000 | 13,508,000 |
| Risk-weighted assets | 105,847,000 | 105,089,000 | 108,947,000 | 108,275,000 |