Call reports 2001
CATTARAUGUS COUNTY BANK — 2001
What CATTARAUGUS COUNTY BANK 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 | 109,121,000 | 108,855,000 | 115,737,000 | 111,695,000 |
| Total loans | 66,643,000 | 68,409,000 | 69,803,000 | 71,830,000 |
| Allowance for loan losses | 901,000 | 851,000 | 949,000 | 916,000 |
| Securities available for sale | 26,874,000 | 28,759,000 | 28,718,000 | 25,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,072,000 | 89,096,000 | 96,889,000 | 93,276,000 |
| Interest-bearing deposits | 71,135,000 | 65,737,000 | 70,478,000 | 66,452,000 |
| Noninterest-bearing deposits | 21,937,000 | 23,359,000 | 26,411,000 | 26,824,000 |
| Equity capital | 12,233,000 | 12,382,000 | 12,739,000 | 12,652,000 |
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 | 1,903,000 | 3,809,000 | 5,703,000 | 7,521,000 |
| Interest expense | 701,000 | 1,384,000 | 2,006,000 | 2,541,000 |
| Net interest income | 1,202,000 | 2,425,000 | 3,697,000 | 4,980,000 |
| Noninterest income | 178,000 | 355,000 | 581,000 | 798,000 |
| Noninterest expense | 931,000 | 1,920,000 | 2,937,000 | 3,986,000 |
| Provision for loan losses | 60,000 | 130,000 | 205,000 | 350,000 |
| Pretax income | 389,000 | 728,000 | 1,134,000 | 1,501,000 |
| Income tax | 97,000 | 172,000 | 270,000 | 286,000 |
| Net income | 292,000 | 556,000 | 864,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,949,000 | 12,132,000 | 12,256,000 | 12,426,000 |
| Total capital | 12,721,000 | 12,915,000 | 13,073,000 | 13,233,000 |
| Risk-weighted assets | 61,653,000 | 62,551,000 | 65,196,000 | 64,446,000 |