Call reports 2001
BANK OF CATTARAUGUS — 2001
What BANK OF CATTARAUGUS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 13,624,000 | 12,277,000 | 11,418,000 | 11,776,000 |
| Total loans | 7,051,000 | 7,076,000 | 6,857,000 | 7,101,000 |
| Allowance for loan losses | 132,000 | 136,000 | 145,000 | 145,000 |
| Securities available for sale | 1,590,000 | 1,362,000 | 1,065,000 | 1,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,124,000 | 10,773,000 | 9,899,000 | 10,260,000 |
| Interest-bearing deposits | 8,476,000 | 6,958,000 | 5,897,000 | 6,552,000 |
| Noninterest-bearing deposits | 3,648,000 | 3,815,000 | 4,002,000 | 3,708,000 |
| Equity capital | 1,280,000 | 1,290,000 | 1,309,000 | 1,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 451,000 | 652,000 | 853,000 |
| Interest expense | 55,000 | 115,000 | 160,000 | 199,000 |
| Net interest income | 167,000 | 336,000 | 492,000 | 654,000 |
| Noninterest income | 34,000 | 66,000 | 102,000 | 136,000 |
| Noninterest expense | 184,000 | 366,000 | 542,000 | 734,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 36,000 | 52,000 | 56,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 10,000 |
| Net income | 14,000 | 31,000 | 44,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,248,000 | 1,270,000 | 1,218,000 | 1,211,000 |
| Total capital | 1,319,000 | 1,341,000 | 1,287,000 | 1,282,000 |
| Risk-weighted assets | 5,633,000 | 5,578,000 | 5,427,000 | 5,631,000 |