Call reports 2022
CATTARAUGUS COUNTY BANK — 2022
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 327,641,000 | 326,097,000 | 340,581,000 | 347,346,000 |
| Total loans | 184,885,000 | 191,673,000 | 207,436,000 | 215,030,000 |
| Allowance for loan losses | 3,250,000 | 2,994,000 | 2,772,000 | 2,755,000 |
| Securities available for sale | 83,541,000 | 87,396,000 | 80,221,000 | 79,737,000 |
| Securities held to maturity | 18,409,000 | 20,378,000 | 20,369,000 | 20,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,929,000 | 290,322,000 | 299,444,000 | 299,069,000 |
| Interest-bearing deposits | 218,481,000 | 216,582,000 | 216,915,000 | 196,674,000 |
| Noninterest-bearing deposits | 74,448,000 | 73,740,000 | 82,529,000 | 102,395,000 |
| Equity capital | 30,386,000 | 28,041,000 | 26,252,000 | 26,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,620,000 | 5,532,000 | 8,868,000 | 12,631,000 |
| Interest expense | 85,000 | 166,000 | 290,000 | 723,000 |
| Net interest income | 2,535,000 | 5,366,000 | 8,578,000 | 11,908,000 |
| Noninterest income | 394,000 | 853,000 | 1,302,000 | 1,728,000 |
| Noninterest expense | 2,381,000 | 4,931,000 | 7,762,000 | 10,484,000 |
| Provision for loan losses | 0 | -250,000 | -250,000 | -250,000 |
| Pretax income | 339,000 | 1,329,000 | 2,169,000 | 3,202,000 |
| Income tax | 70,000 | 225,000 | 359,000 | 556,000 |
| Net income | 269,000 | 1,104,000 | 1,810,000 | 2,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,505,000 | 34,739,000 | 35,385,000 | 35,787,000 |
| Total capital | 37,393,000 | 37,733,000 | 38,157,000 | 38,542,000 |
| Risk-weighted assets | 230,687,000 | 240,669,000 | 254,191,000 | 259,874,000 |