Call reports 2003
BANK OF CATTARAUGUS — 2003
What BANK OF CATTARAUGUS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 11,958,000 | 12,653,000 | 12,339,000 | 11,988,000 |
| Total loans | 7,885,000 | 7,563,000 | 7,669,000 | 7,785,000 |
| Allowance for loan losses | 119,000 | 119,000 | 119,000 | 133,000 |
| Securities available for sale | 1,712,000 | 1,791,000 | 2,569,000 | 2,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,400,000 | 11,084,000 | 10,459,000 | 10,497,000 |
| Interest-bearing deposits | 6,774,000 | 6,925,000 | 7,268,000 | 7,069,000 |
| Noninterest-bearing deposits | 3,626,000 | 4,159,000 | 3,191,000 | 3,428,000 |
| Equity capital | 1,386,000 | 1,403,000 | 1,413,000 | 1,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 197,000 | 390,000 | 581,000 | 782,000 |
| Interest expense | 29,000 | 56,000 | 79,000 | 102,000 |
| Net interest income | 168,000 | 334,000 | 502,000 | 680,000 |
| Noninterest income | 37,000 | 74,000 | 116,000 | 157,000 |
| Noninterest expense | 179,000 | 366,000 | 547,000 | 791,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 26,000 | 42,000 | 71,000 | 36,000 |
| Income tax | 4,000 | 6,000 | 11,000 | 9,000 |
| Net income | 22,000 | 36,000 | 60,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,313,000 | 1,340,000 | 1,367,000 | 1,304,000 |
| Total capital | 1,388,000 | 1,416,000 | 1,443,000 | 1,379,000 |
| Risk-weighted assets | 5,957,000 | 6,032,000 | 6,029,000 | 5,970,000 |