Call reports 2015
CATTARAUGUS COUNTY BANK — 2015
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 201,603,000 | 200,024,000 | 199,474,000 | 207,482,000 |
| Total loans | 131,116,000 | 139,190,000 | 144,241,000 | 153,122,000 |
| Allowance for loan losses | 1,821,000 | 1,912,000 | 1,987,000 | 2,088,000 |
| Securities available for sale | 38,085,000 | 35,551,000 | 34,124,000 | 31,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,889,000 | 178,863,000 | 177,698,000 | 182,456,000 |
| Interest-bearing deposits | 147,544,000 | 143,403,000 | 143,259,000 | 146,898,000 |
| Noninterest-bearing deposits | 33,345,000 | 35,460,000 | 34,439,000 | 35,558,000 |
| Equity capital | 17,616,000 | 17,614,000 | 18,024,000 | 18,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,847,000 | 3,753,000 | 5,772,000 | 7,784,000 |
| Interest expense | 160,000 | 323,000 | 486,000 | 651,000 |
| Net interest income | 1,687,000 | 3,430,000 | 5,286,000 | 7,133,000 |
| Noninterest income | 398,000 | 868,000 | 1,319,000 | 1,795,000 |
| Noninterest expense | 1,771,000 | 3,531,000 | 5,317,000 | 7,134,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 224,000 | 587,000 | 1,018,000 | 1,434,000 |
| Income tax | 38,000 | 123,000 | 264,000 | 342,000 |
| Net income | 186,000 | 464,000 | 754,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,773,000 | 17,004,000 | 17,233,000 | 17,471,000 |
| Total capital | 18,499,000 | 18,786,000 | 19,008,000 | 19,346,000 |
| Risk-weighted assets | 138,045,000 | 142,460,000 | 141,765,000 | 149,813,000 |