Call reports 2023
CATTARAUGUS COUNTY BANK — 2023
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 353,448,000 | 355,707,000 | 370,479,000 | 375,381,000 |
| Total loans | 219,857,000 | 221,470,000 | 225,753,000 | 234,917,000 |
| Allowance for loan losses | 2,843,000 | 2,616,000 | 2,704,000 | 3,589,000 |
| Securities available for sale | 79,344,000 | 77,326,000 | 89,742,000 | 88,712,000 |
| Securities held to maturity | 20,349,000 | 20,341,000 | 20,333,000 | 20,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,037,000 | 310,654,000 | 326,095,000 | 325,411,000 |
| Interest-bearing deposits | 200,462,000 | 209,149,000 | 225,852,000 | 232,324,000 |
| Noninterest-bearing deposits | 100,575,000 | 101,505,000 | 100,243,000 | 93,087,000 |
| Equity capital | 28,766,000 | 29,304,000 | 28,971,000 | 31,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,053,000 | 8,315,000 | 12,749,000 | 17,743,000 |
| Interest expense | 610,000 | 1,433,000 | 2,365,000 | 3,681,000 |
| Net interest income | 3,443,000 | 6,882,000 | 10,384,000 | 14,062,000 |
| Noninterest income | 423,000 | 1,049,000 | 1,451,000 | 1,859,000 |
| Noninterest expense | 2,655,000 | 5,278,000 | 8,033,000 | 10,767,000 |
| Provision for loan losses | 70,000 | 105,000 | 180,000 | 1,002,000 |
| Pretax income | 1,141,000 | 2,548,000 | 3,622,000 | 4,152,000 |
| Income tax | 222,000 | 458,000 | 668,000 | 720,000 |
| Net income | 919,000 | 2,090,000 | 2,954,000 | 3,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,646,000 | 37,530,000 | 38,260,000 | 38,302,000 |
| Total capital | 39,489,000 | 40,146,000 | 40,964,000 | 41,832,000 |
| Risk-weighted assets | 266,530,000 | 269,446,000 | 277,268,000 | 282,301,000 |