Call reports 2005
BANK OF CATTARAUGUS — 2005
What BANK OF CATTARAUGUS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 13,513,000 | 13,830,000 | 12,004,000 | 12,263,000 |
| Total loans | 8,228,000 | 8,153,000 | 7,954,000 | 7,786,000 |
| Allowance for loan losses | 137,000 | 138,000 | 141,000 | 126,000 |
| Securities available for sale | 2,302,000 | 2,306,000 | 2,285,000 | 1,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,092,000 | 12,378,000 | 10,547,000 | 10,798,000 |
| Interest-bearing deposits | 8,303,000 | 7,436,000 | 7,002,000 | 7,094,000 |
| Noninterest-bearing deposits | 3,789,000 | 4,942,000 | 3,545,000 | 3,704,000 |
| Equity capital | 1,412,000 | 1,430,000 | 1,424,000 | 1,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 205,000 | 410,000 | 615,000 | 817,000 |
| Interest expense | 21,000 | 43,000 | 65,000 | 87,000 |
| Net interest income | 184,000 | 367,000 | 550,000 | 730,000 |
| Noninterest income | 34,000 | 66,000 | 104,000 | 128,000 |
| Noninterest expense | 202,000 | 408,000 | 615,000 | 836,000 |
| Provision for loan losses | 0 | 0 | 0 | -17,000 |
| Pretax income | 16,000 | 25,000 | 39,000 | 39,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 14,000 | 21,000 | 33,000 | 31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,364,000 | 1,376,000 | 1,383,000 | 1,386,000 |
| Total capital | 1,445,000 | 1,459,000 | 1,462,000 | 1,464,000 |
| Risk-weighted assets | 6,426,000 | 6,609,000 | 6,222,000 | 6,198,000 |