Call reports 2014
CATTARAUGUS COUNTY BANK — 2014
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 188,642,000 | 189,813,000 | 189,462,000 | 195,734,000 |
| Total loans | 114,280,000 | 120,469,000 | 125,644,000 | 126,380,000 |
| Allowance for loan losses | 1,762,000 | 1,760,000 | 1,662,000 | 1,738,000 |
| Securities available for sale | 48,306,000 | 47,099,000 | 44,761,000 | 39,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,680,000 | 167,962,000 | 169,040,000 | 174,420,000 |
| Interest-bearing deposits | 139,398,000 | 141,033,000 | 135,112,000 | 138,907,000 |
| Noninterest-bearing deposits | 28,282,000 | 26,929,000 | 33,928,000 | 35,513,000 |
| Equity capital | 16,322,000 | 16,798,000 | 16,967,000 | 17,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,779,000 | 3,601,000 | 5,512,000 | 7,401,000 |
| Interest expense | 170,000 | 345,000 | 512,000 | 672,000 |
| Net interest income | 1,609,000 | 3,256,000 | 5,000,000 | 6,729,000 |
| Noninterest income | 407,000 | 827,000 | 1,272,000 | 1,719,000 |
| Noninterest expense | 1,749,000 | 3,538,000 | 5,342,000 | 7,206,000 |
| Provision for loan losses | 0 | 15,000 | 80,000 | 155,000 |
| Pretax income | 267,000 | 530,000 | 850,000 | 1,143,000 |
| Income tax | 51,000 | 98,000 | 160,000 | 215,000 |
| Net income | 216,000 | 432,000 | 690,000 | 928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,135,000 | 15,304,000 | 15,502,000 | 15,662,000 |
| Total capital | 16,711,000 | 16,838,000 | 17,164,000 | 17,276,000 |
| Risk-weighted assets | 125,862,000 | 129,764,000 | 133,495,000 | 135,647,000 |