Call reports 2011
CATTARAUGUS COUNTY BANK — 2011
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 181,979,000 | 178,661,000 | 182,138,000 | 186,374,000 |
| Total loans | 100,759,000 | 98,761,000 | 98,732,000 | 99,236,000 |
| Allowance for loan losses | 1,789,000 | 1,572,000 | 1,340,000 | 1,388,000 |
| Securities available for sale | 45,684,000 | 45,724,000 | 51,455,000 | 52,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,655,000 | 159,526,000 | 162,211,000 | 165,928,000 |
| Interest-bearing deposits | 132,356,000 | 129,399,000 | 130,590,000 | 134,133,000 |
| Noninterest-bearing deposits | 31,299,000 | 30,127,000 | 31,621,000 | 31,795,000 |
| Equity capital | 14,260,000 | 14,700,000 | 15,279,000 | 15,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,928,000 | 3,949,000 | 5,905,000 | 7,868,000 |
| Interest expense | 295,000 | 589,000 | 870,000 | 1,114,000 |
| Net interest income | 1,633,000 | 3,360,000 | 5,035,000 | 6,754,000 |
| Noninterest income | 386,000 | 782,000 | 1,178,000 | 1,592,000 |
| Noninterest expense | 1,693,000 | 3,342,000 | 5,025,000 | 6,687,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 391,000 | 775,000 | 1,073,000 | 1,454,000 |
| Income tax | 62,000 | 133,000 | 218,000 | 342,000 |
| Net income | 329,000 | 642,000 | 855,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,510,000 | 12,782,000 | 12,941,000 | 13,124,000 |
| Total capital | 13,814,000 | 14,065,000 | 14,281,000 | 14,440,000 |
| Risk-weighted assets | 110,062,000 | 109,827,000 | 111,273,000 | 111,361,000 |