Call reports 2012
CATTARAUGUS COUNTY BANK — 2012
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 189,470,000 | 187,280,000 | 182,401,000 | 182,839,000 |
| Total loans | 97,951,000 | 100,230,000 | 100,944,000 | 100,480,000 |
| Allowance for loan losses | 1,480,000 | 1,844,000 | 1,845,000 | 1,824,000 |
| Securities available for sale | 54,236,000 | 57,663,000 | 53,653,000 | 50,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,569,000 | 166,609,000 | 161,067,000 | 161,304,000 |
| Interest-bearing deposits | 137,036,000 | 137,528,000 | 131,460,000 | 132,963,000 |
| Noninterest-bearing deposits | 32,533,000 | 29,081,000 | 29,607,000 | 28,341,000 |
| Equity capital | 15,644,000 | 16,064,000 | 16,506,000 | 16,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,857,000 | 3,749,000 | 5,606,000 | 7,368,000 |
| Interest expense | 221,000 | 414,000 | 598,000 | 775,000 |
| Net interest income | 1,636,000 | 3,335,000 | 5,008,000 | 6,593,000 |
| Noninterest income | 465,000 | 1,037,000 | 1,396,000 | 1,599,000 |
| Noninterest expense | 1,680,000 | 3,364,000 | 5,042,000 | 6,706,000 |
| Provision for loan losses | 90,000 | 271,000 | 271,000 | 271,000 |
| Pretax income | 514,000 | 920,000 | 1,348,000 | 1,487,000 |
| Income tax | 87,000 | 186,000 | 286,000 | 321,000 |
| Net income | 427,000 | 734,000 | 1,062,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,515,000 | 13,779,000 | 14,050,000 | 14,077,000 |
| Total capital | 14,833,000 | 15,106,000 | 15,387,000 | 15,400,000 |
| Risk-weighted assets | 115,199,000 | 113,885,000 | 114,849,000 | 113,893,000 |