Call reports 2002
CATTARAUGUS COUNTY BANK — 2002
What CATTARAUGUS COUNTY BANK 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 | 117,826,000 | 117,834,000 | 122,480,000 | 119,398,000 |
| Total loans | 73,248,000 | 74,851,000 | 73,114,000 | 72,152,000 |
| Allowance for loan losses | 957,000 | 1,033,000 | 1,159,000 | 1,607,000 |
| Securities available for sale | 30,597,000 | 30,338,000 | 28,306,000 | 27,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,229,000 | 98,157,000 | 102,425,000 | 99,620,000 |
| Interest-bearing deposits | 70,557,000 | 70,861,000 | 72,938,000 | 71,552,000 |
| Noninterest-bearing deposits | 28,672,000 | 27,296,000 | 29,487,000 | 28,068,000 |
| Equity capital | 12,865,000 | 13,485,000 | 13,778,000 | 13,040,000 |
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 | 1,793,000 | 3,619,000 | 5,401,000 | 7,019,000 |
| Interest expense | 459,000 | 911,000 | 1,356,000 | 1,786,000 |
| Net interest income | 1,334,000 | 2,708,000 | 4,045,000 | 5,233,000 |
| Noninterest income | 229,000 | 472,000 | 749,000 | 1,006,000 |
| Noninterest expense | 1,022,000 | 2,076,000 | 3,208,000 | 4,807,000 |
| Provision for loan losses | 75,000 | 150,000 | 400,000 | 850,000 |
| Pretax income | 466,000 | 954,000 | 1,186,000 | 734,000 |
| Income tax | 128,000 | 238,000 | 267,000 | 133,000 |
| Net income | 338,000 | 716,000 | 919,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,703,000 | 12,993,000 | 13,062,000 | 12,486,000 |
| Total capital | 13,550,000 | 13,860,000 | 13,922,000 | 13,330,000 |
| Risk-weighted assets | 67,641,000 | 69,207,000 | 68,523,000 | 66,810,000 |