Call reports 2016
CATTARAUGUS COUNTY BANK — 2016
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 212,220,000 | 215,691,000 | 221,512,000 | 220,227,000 |
| Total loans | 158,719,000 | 164,508,000 | 172,943,000 | 173,972,000 |
| Allowance for loan losses | 2,147,000 | 2,203,000 | 2,476,000 | 2,569,000 |
| Securities available for sale | 30,600,000 | 28,138,000 | 26,412,000 | 25,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,152,000 | 192,704,000 | 197,476,000 | 193,179,000 |
| Interest-bearing deposits | 155,441,000 | 157,247,000 | 160,176,000 | 156,508,000 |
| Noninterest-bearing deposits | 34,711,000 | 35,457,000 | 37,300,000 | 36,671,000 |
| Equity capital | 18,690,000 | 19,111,000 | 19,329,000 | 19,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 4,180,000 | 6,369,000 | 8,616,000 |
| Interest expense | 173,000 | 353,000 | 540,000 | 739,000 |
| Net interest income | 1,901,000 | 3,827,000 | 5,829,000 | 7,877,000 |
| Noninterest income | 449,000 | 874,000 | 1,334,000 | 1,806,000 |
| Noninterest expense | 1,798,000 | 3,610,000 | 5,511,000 | 7,439,000 |
| Provision for loan losses | 90,000 | 165,000 | 240,000 | 340,000 |
| Pretax income | 462,000 | 926,000 | 1,411,000 | 1,903,000 |
| Income tax | 130,000 | 207,000 | 346,000 | 432,000 |
| Net income | 332,000 | 719,000 | 1,065,000 | 1,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,332,000 | 17,819,000 | 18,102,000 | 18,412,000 |
| Total capital | 19,262,000 | 19,821,000 | 20,244,000 | 20,556,000 |
| Risk-weighted assets | 154,202,000 | 159,978,000 | 171,025,000 | 171,073,000 |