Call reports 2017
CATTARAUGUS COUNTY BANK — 2017
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 228,621,000 | 227,899,000 | 230,903,000 | 232,863,000 |
| Total loans | 176,145,000 | 177,151,000 | 181,527,000 | 181,865,000 |
| Allowance for loan losses | 2,667,000 | 2,739,000 | 2,815,000 | 2,778,000 |
| Securities available for sale | 27,623,000 | 25,991,000 | 25,067,000 | 23,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,614,000 | 203,831,000 | 206,356,000 | 207,398,000 |
| Interest-bearing deposits | 169,488,000 | 168,003,000 | 166,295,000 | 166,325,000 |
| Noninterest-bearing deposits | 36,126,000 | 35,828,000 | 40,061,000 | 41,073,000 |
| Equity capital | 19,675,000 | 20,127,000 | 20,527,000 | 20,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,309,000 | 4,625,000 | 7,007,000 | 9,395,000 |
| Interest expense | 195,000 | 398,000 | 608,000 | 829,000 |
| Net interest income | 2,114,000 | 4,227,000 | 6,399,000 | 8,566,000 |
| Noninterest income | 426,000 | 867,000 | 1,285,000 | 1,741,000 |
| Noninterest expense | 1,943,000 | 3,867,000 | 5,794,000 | 7,839,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 522,000 | 1,077,000 | 1,665,000 | 2,168,000 |
| Income tax | 113,000 | 231,000 | 359,000 | 467,000 |
| Net income | 409,000 | 846,000 | 1,306,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,446,000 | 18,833,000 | 19,229,000 | 19,523,000 |
| Total capital | 20,609,000 | 21,011,000 | 21,484,000 | 21,760,000 |
| Risk-weighted assets | 172,527,000 | 173,704,000 | 179,851,000 | 178,420,000 |