Call reports 2013
CATTARAUGUS COUNTY BANK — 2013
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 188,584,000 | 186,464,000 | 184,705,000 | 189,478,000 |
| Total loans | 102,918,000 | 107,236,000 | 107,866,000 | 111,301,000 |
| Allowance for loan losses | 1,775,000 | 1,779,000 | 1,745,000 | 1,769,000 |
| Securities available for sale | 52,976,000 | 52,263,000 | 49,947,000 | 48,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,762,000 | 165,819,000 | 163,626,000 | 168,077,000 |
| Interest-bearing deposits | 138,475,000 | 137,150,000 | 135,182,000 | 135,100,000 |
| Noninterest-bearing deposits | 29,287,000 | 28,669,000 | 28,444,000 | 32,977,000 |
| Equity capital | 16,396,000 | 15,777,000 | 16,053,000 | 15,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,562,000 | 5,337,000 | 7,134,000 |
| Interest expense | 176,000 | 355,000 | 532,000 | 706,000 |
| Net interest income | 1,579,000 | 3,207,000 | 4,805,000 | 6,428,000 |
| Noninterest income | 438,000 | 934,000 | 1,378,000 | 1,824,000 |
| Noninterest expense | 1,704,000 | 3,414,000 | 5,143,000 | 6,935,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 459,000 | 873,000 | 1,186,000 | 1,438,000 |
| Income tax | 76,000 | 167,000 | 242,000 | 299,000 |
| Net income | 383,000 | 706,000 | 944,000 | 1,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,405,000 | 14,682,000 | 14,861,000 | 14,978,000 |
| Total capital | 15,764,000 | 16,079,000 | 16,259,000 | 16,424,000 |
| Risk-weighted assets | 116,905,000 | 119,972,000 | 120,376,000 | 123,751,000 |