Call reports 2002
BANK OF CATTARAUGUS — 2002
What BANK OF CATTARAUGUS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 12,146,000 | 12,515,000 | 11,803,000 | 11,789,000 |
| Total loans | 7,545,000 | 7,642,000 | 7,631,000 | 7,809,000 |
| Allowance for loan losses | 140,000 | 142,000 | 142,000 | 144,000 |
| Securities available for sale | 1,906,000 | 1,726,000 | 739,000 | 1,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,649,000 | 10,968,000 | 10,222,000 | 10,227,000 |
| Interest-bearing deposits | 7,087,000 | 6,513,000 | 6,471,000 | 6,864,000 |
| Noninterest-bearing deposits | 3,562,000 | 4,455,000 | 3,751,000 | 3,363,000 |
| Equity capital | 1,296,000 | 1,343,000 | 1,374,000 | 1,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 409,000 | 609,000 | 804,000 |
| Interest expense | 36,000 | 69,000 | 101,000 | 130,000 |
| Net interest income | 168,000 | 340,000 | 508,000 | 674,000 |
| Noninterest income | 28,000 | 66,000 | 105,000 | 140,000 |
| Noninterest expense | 174,000 | 361,000 | 547,000 | 759,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 45,000 | 66,000 | 55,000 |
| Income tax | 3,000 | 7,000 | 9,000 | 8,000 |
| Net income | 19,000 | 38,000 | 57,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,234,000 | 1,255,000 | 1,276,000 | 1,265,000 |
| Total capital | 1,310,000 | 1,332,000 | 1,350,000 | 1,338,000 |
| Risk-weighted assets | 5,986,000 | 6,062,000 | 5,844,000 | 5,778,000 |