Call reports 2019
CATTARAUGUS COUNTY BANK — 2019
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 252,116,000 | 252,669,000 | 251,356,000 | 251,672,000 |
| Total loans | 194,975,000 | 194,875,000 | 199,695,000 | 201,341,000 |
| Allowance for loan losses | 2,479,000 | 2,616,000 | 2,641,000 | 2,671,000 |
| Securities available for sale | 29,721,000 | 28,629,000 | 26,597,000 | 26,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,949,000 | 226,216,000 | 224,456,000 | 223,688,000 |
| Interest-bearing deposits | 188,078,000 | 187,290,000 | 181,060,000 | 182,022,000 |
| Noninterest-bearing deposits | 38,871,000 | 38,926,000 | 43,396,000 | 41,666,000 |
| Equity capital | 21,522,000 | 22,126,000 | 22,585,000 | 22,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,814,000 | 5,681,000 | 8,543,000 | 11,347,000 |
| Interest expense | 397,000 | 813,000 | 1,233,000 | 1,640,000 |
| Net interest income | 2,417,000 | 4,868,000 | 7,310,000 | 9,707,000 |
| Noninterest income | 409,000 | 873,000 | 1,312,000 | 1,762,000 |
| Noninterest expense | 2,073,000 | 4,282,000 | 6,491,000 | 8,850,000 |
| Provision for loan losses | 60,000 | 200,000 | 320,000 | 350,000 |
| Pretax income | 693,000 | 1,259,000 | 1,811,000 | 2,269,000 |
| Income tax | 132,000 | 241,000 | 345,000 | 432,000 |
| Net income | 561,000 | 1,018,000 | 1,466,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,592,000 | 21,981,000 | 22,357,000 | 22,624,000 |
| Total capital | 24,025,000 | 24,369,000 | 24,806,000 | 25,130,000 |
| Risk-weighted assets | 194,599,000 | 190,815,000 | 195,805,000 | 200,335,000 |