Call reports 2021
CATTARAUGUS COUNTY BANK — 2021
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 315,922,000 | 323,002,000 | 323,990,000 | 331,756,000 |
| Total loans | 192,908,000 | 196,868,000 | 188,778,000 | 186,507,000 |
| Allowance for loan losses | 3,228,000 | 3,332,000 | 3,255,000 | 3,252,000 |
| Securities available for sale | 47,340,000 | 48,802,000 | 46,883,000 | 64,628,000 |
| Securities held to maturity | 7,522,000 | 7,521,000 | 7,520,000 | 11,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,995,000 | 288,296,000 | 289,694,000 | 288,162,000 |
| Interest-bearing deposits | 217,971,000 | 217,990,000 | 215,164,000 | 212,407,000 |
| Noninterest-bearing deposits | 65,024,000 | 70,306,000 | 74,530,000 | 75,755,000 |
| Equity capital | 23,713,000 | 24,812,000 | 24,652,000 | 33,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,439,000 | 5,175,000 | 7,827,000 | 10,369,000 |
| Interest expense | 260,000 | 504,000 | 709,000 | 836,000 |
| Net interest income | 2,179,000 | 4,671,000 | 7,118,000 | 9,533,000 |
| Noninterest income | 430,000 | 924,000 | 1,376,000 | 1,837,000 |
| Noninterest expense | 2,297,000 | 4,792,000 | 7,327,000 | 9,820,000 |
| Provision for loan losses | -180,000 | -180,000 | -180,000 | -180,000 |
| Pretax income | 390,000 | 918,000 | 1,208,000 | 1,411,000 |
| Income tax | 93,000 | 177,000 | 235,000 | 297,000 |
| Net income | 297,000 | 741,000 | 973,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,336,000 | 24,780,000 | 24,926,000 | 34,273,000 |
| Total capital | 27,098,000 | 27,592,000 | 27,715,000 | 37,192,000 |
| Risk-weighted assets | 220,559,000 | 224,450,000 | 222,686,000 | 233,200,000 |