Call reports 2018
CATTARAUGUS COUNTY BANK — 2018
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 237,477,000 | 235,675,000 | 235,401,000 | 246,643,000 |
| Total loans | 187,851,000 | 189,179,000 | 189,549,000 | 192,268,000 |
| Allowance for loan losses | 2,856,000 | 2,902,000 | 2,981,000 | 2,919,000 |
| Securities available for sale | 28,130,000 | 26,080,000 | 24,366,000 | 27,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,649,000 | 208,498,000 | 209,779,000 | 221,254,000 |
| Interest-bearing deposits | 171,775,000 | 169,933,000 | 170,916,000 | 179,361,000 |
| Noninterest-bearing deposits | 38,874,000 | 38,565,000 | 38,863,000 | 41,893,000 |
| Equity capital | 20,802,000 | 21,114,000 | 21,392,000 | 20,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,410,000 | 4,992,000 | 7,647,000 | 10,392,000 |
| Interest expense | 203,000 | 448,000 | 738,000 | 1,103,000 |
| Net interest income | 2,207,000 | 4,544,000 | 6,909,000 | 9,289,000 |
| Noninterest income | 434,000 | 934,000 | 1,381,000 | 1,826,000 |
| Noninterest expense | 2,044,000 | 4,212,000 | 6,325,000 | 8,428,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 522,000 | 1,116,000 | 1,740,000 | 2,462,000 |
| Income tax | 78,000 | 236,000 | 376,000 | 263,000 |
| Net income | 444,000 | 880,000 | 1,364,000 | 2,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,519,000 | 19,894,000 | 20,310,000 | 21,102,000 |
| Total capital | 21,832,000 | 22,233,000 | 22,686,000 | 23,493,000 |
| Risk-weighted assets | 184,572,000 | 186,632,000 | 189,502,000 | 190,785,000 |