Call reports 2003
CATTARAUGUS COUNTY BANK — 2003
What CATTARAUGUS COUNTY BANK 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 | 125,746,000 | 125,333,000 | 126,774,000 | 122,588,000 |
| Total loans | 71,135,000 | 72,028,000 | 69,121,000 | 68,779,000 |
| Allowance for loan losses | 1,778,000 | 1,505,000 | 741,000 | 725,000 |
| Securities available for sale | 30,904,000 | 28,652,000 | 32,502,000 | 35,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,324,000 | 105,717,000 | 108,641,000 | 105,430,000 |
| Interest-bearing deposits | 77,541,000 | 75,121,000 | 76,459,000 | 76,519,000 |
| Noninterest-bearing deposits | 28,783,000 | 30,596,000 | 32,182,000 | 28,911,000 |
| Equity capital | 13,078,000 | 13,212,000 | 12,485,000 | 12,345,000 |
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 | 1,581,000 | 3,150,000 | 4,677,000 | 6,223,000 |
| Interest expense | 364,000 | 705,000 | 1,007,000 | 1,285,000 |
| Net interest income | 1,217,000 | 2,445,000 | 3,670,000 | 4,938,000 |
| Noninterest income | 227,000 | 463,000 | 681,000 | 935,000 |
| Noninterest expense | 1,194,000 | 2,334,000 | 3,507,000 | 4,656,000 |
| Provision for loan losses | 180,000 | 270,000 | 390,000 | 595,000 |
| Pretax income | 70,000 | 329,000 | 489,000 | 700,000 |
| Income tax | 5,000 | 49,000 | 68,000 | 104,000 |
| Net income | 65,000 | 280,000 | 421,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,492,000 | 12,617,000 | 11,943,000 | 12,050,000 |
| Total capital | 13,353,000 | 13,494,000 | 12,684,000 | 12,775,000 |
| Risk-weighted assets | 67,950,000 | 69,566,000 | 68,572,000 | 68,427,000 |