Call reports 2020
CATTARAUGUS COUNTY BANK — 2020
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 257,051,000 | 291,002,000 | 292,251,000 | 297,977,000 |
| Total loans | 201,758,000 | 210,722,000 | 207,501,000 | 199,874,000 |
| Allowance for loan losses | 2,721,000 | 2,914,000 | 3,316,000 | 3,400,000 |
| Securities available for sale | 30,000,000 | 27,205,000 | 43,056,000 | 36,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 5,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,546,000 | 257,956,000 | 258,962,000 | 263,231,000 |
| Interest-bearing deposits | 188,666,000 | 197,948,000 | 198,858,000 | 202,643,000 |
| Noninterest-bearing deposits | 40,880,000 | 60,008,000 | 60,104,000 | 60,588,000 |
| Equity capital | 23,439,000 | 23,455,000 | 23,665,000 | 24,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,745,000 | 5,291,000 | 7,993,000 | 10,633,000 |
| Interest expense | 388,000 | 711,000 | 1,010,000 | 1,301,000 |
| Net interest income | 2,357,000 | 4,580,000 | 6,983,000 | 9,332,000 |
| Noninterest income | 382,000 | 766,000 | 1,233,000 | 1,743,000 |
| Noninterest expense | 2,337,000 | 4,544,000 | 6,774,000 | 8,819,000 |
| Provision for loan losses | 75,000 | 330,000 | 615,000 | 337,000 |
| Pretax income | 327,000 | 597,000 | 952,000 | 2,044,000 |
| Income tax | 63,000 | 113,000 | 183,000 | 390,000 |
| Net income | 264,000 | 484,000 | 769,000 | 1,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,835,000 | 23,037,000 | 23,303,000 | 24,075,000 |
| Total capital | 25,352,000 | 25,709,000 | 25,953,000 | 26,770,000 |
| Risk-weighted assets | 201,222,000 | 213,569,000 | 211,348,000 | 214,959,000 |