Call reports 2004
BANK OF CATTARAUGUS — 2004
What BANK OF CATTARAUGUS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 13,173,000 | 12,542,000 | 13,400,000 | 12,784,000 |
| Total loans | 7,767,000 | 7,983,000 | 8,264,000 | 8,192,000 |
| Allowance for loan losses | 133,000 | 133,000 | 127,000 | 136,000 |
| Securities available for sale | 2,405,000 | 2,762,000 | 2,094,000 | 2,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,643,000 | 11,070,000 | 11,876,000 | 11,251,000 |
| Interest-bearing deposits | 8,211,000 | 7,442,000 | 7,883,000 | 7,407,000 |
| Noninterest-bearing deposits | 3,432,000 | 3,628,000 | 3,993,000 | 3,844,000 |
| Equity capital | 1,400,000 | 1,378,000 | 1,413,000 | 1,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 198,000 | 394,000 | 599,000 | 806,000 |
| Interest expense | 25,000 | 47,000 | 69,000 | 90,000 |
| Net interest income | 173,000 | 347,000 | 530,000 | 716,000 |
| Noninterest income | 37,000 | 73,000 | 111,000 | 151,000 |
| Noninterest expense | 190,000 | 387,000 | 596,000 | 815,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 20,000 | 33,000 | 45,000 | 45,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 4,000 |
| Net income | 17,000 | 28,000 | 38,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,323,000 | 1,324,000 | 1,342,000 | 1,348,000 |
| Total capital | 1,402,000 | 1,404,000 | 1,425,000 | 1,428,000 |
| Risk-weighted assets | 6,278,000 | 6,313,000 | 6,559,000 | 6,378,000 |