Call reports 2024
CATTARAUGUS COUNTY BANK — 2024
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 378,514,000 | 368,035,000 | 371,069,000 | 355,171,000 |
| Total loans | 235,679,000 | 233,094,000 | 232,245,000 | 228,690,000 |
| Allowance for loan losses | 3,552,000 | 3,943,000 | 3,888,000 | 1,548,000 |
| Securities available for sale | 87,804,000 | 83,406,000 | 81,113,000 | 78,520,000 |
| Securities held to maturity | 20,319,000 | 20,312,000 | 20,369,000 | 17,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,805,000 | 321,478,000 | 317,493,000 | 311,821,000 |
| Interest-bearing deposits | 242,789,000 | 228,815,000 | 224,140,000 | 219,317,000 |
| Noninterest-bearing deposits | 92,016,000 | 92,663,000 | 93,353,000 | 92,504,000 |
| Equity capital | 31,807,000 | 32,310,000 | 34,509,000 | 33,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,632,000 | 9,366,000 | 14,012,000 | 18,537,000 |
| Interest expense | 1,407,000 | 2,697,000 | 3,934,000 | 5,128,000 |
| Net interest income | 3,225,000 | 6,669,000 | 10,078,000 | 13,409,000 |
| Noninterest income | 404,000 | 916,000 | 1,335,000 | 1,790,000 |
| Noninterest expense | 2,836,000 | 5,681,000 | 8,423,000 | 11,278,000 |
| Provision for loan losses | -41,000 | 355,000 | 95,000 | 128,000 |
| Pretax income | 593,000 | 1,304,000 | 2,216,000 | 2,407,000 |
| Income tax | 100,000 | 221,000 | 376,000 | 369,000 |
| Net income | 493,000 | 1,083,000 | 1,840,000 | 2,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,751,000 | 39,084,000 | 39,751,000 | 39,559,000 |
| Total capital | 42,179,000 | 42,663,000 | 43,373,000 | 42,000,000 |
| Risk-weighted assets | 273,928,000 | 285,798,000 | 289,073,000 | 268,252,000 |