Call reports 2025
CATTARAUGUS COUNTY BANK — 2025
What CATTARAUGUS COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 358,313,000 | 365,168,000 | 366,959,000 | 375,234,000 |
| Total loans | 226,740,000 | 226,843,000 | 226,885,000 | 226,022,000 |
| Allowance for loan losses | 1,445,000 | 1,403,000 | 2,264,000 | 2,276,000 |
| Securities available for sale | 74,456,000 | 71,240,000 | 74,257,000 | 82,087,000 |
| Securities held to maturity | 18,279,000 | 17,415,000 | 16,408,000 | 16,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,905,000 | 320,214,000 | 322,938,000 | 328,955,000 |
| Interest-bearing deposits | 221,516,000 | 226,602,000 | 226,762,000 | 232,105,000 |
| Noninterest-bearing deposits | 95,389,000 | 93,612,000 | 96,176,000 | 96,850,000 |
| Equity capital | 34,880,000 | 35,927,000 | 36,774,000 | 38,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,412,000 | 8,913,000 | 13,334,000 | 18,406,000 |
| Interest expense | 970,000 | 1,944,000 | 2,968,000 | 3,963,000 |
| Net interest income | 3,442,000 | 6,969,000 | 10,366,000 | 14,443,000 |
| Noninterest income | 491,000 | 989,000 | 1,482,000 | 1,929,000 |
| Noninterest expense | 2,975,000 | 6,005,000 | 8,772,000 | 11,898,000 |
| Provision for loan losses | -106,000 | -131,000 | 859,000 | 440,000 |
| Pretax income | 658,000 | 1,353,000 | 1,526,000 | 3,198,000 |
| Income tax | 112,000 | 230,000 | 259,000 | 543,000 |
| Net income | 546,000 | 1,123,000 | 1,267,000 | 2,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,045,000 | 40,351,000 | 40,420,000 | 41,412,000 |
| Total capital | 42,788,000 | 42,370,000 | 43,291,000 | 44,317,000 |
| Risk-weighted assets | 266,437,000 | 279,325,000 | 280,444,000 | 277,957,000 |