Call reports 2004
CATTARAUGUS COUNTY BANK — 2004
What CATTARAUGUS COUNTY BANK 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 | 124,728,000 | 120,008,000 | 122,413,000 | 136,574,000 |
| Total loans | 66,771,000 | 66,088,000 | 66,379,000 | 72,582,000 |
| Allowance for loan losses | 707,000 | 758,000 | 825,000 | 701,000 |
| Securities available for sale | 37,546,000 | 39,280,000 | 37,307,000 | 45,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,981,000 | 102,003,000 | 105,114,000 | 117,576,000 |
| Interest-bearing deposits | 77,094,000 | 73,614,000 | 75,835,000 | 85,208,000 |
| Noninterest-bearing deposits | 29,887,000 | 28,389,000 | 29,279,000 | 32,368,000 |
| Equity capital | 12,850,000 | 12,374,000 | 12,594,000 | 12,475,000 |
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 | 1,455,000 | 2,955,000 | 4,467,000 | 5,998,000 |
| Interest expense | 270,000 | 528,000 | 787,000 | 1,058,000 |
| Net interest income | 1,185,000 | 2,427,000 | 3,680,000 | 4,940,000 |
| Noninterest income | 199,000 | 432,000 | 724,000 | 1,078,000 |
| Noninterest expense | 1,183,000 | 2,374,000 | 3,655,000 | 4,929,000 |
| Provision for loan losses | 90,000 | 220,000 | 370,000 | 520,000 |
| Pretax income | 142,000 | 297,000 | 409,000 | 598,000 |
| Income tax | 21,000 | 41,000 | 51,000 | 81,000 |
| Net income | 121,000 | 256,000 | 358,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,434,000 | 12,478,000 | 12,444,000 | 11,379,000 |
| Total capital | 13,141,000 | 13,236,000 | 13,269,000 | 12,080,000 |
| Risk-weighted assets | 68,266,000 | 67,838,000 | 68,339,000 | 75,824,000 |