Call reports 2005
CATTARAUGUS COUNTY BANK — 2005
What CATTARAUGUS COUNTY BANK 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 | 139,675,000 | 142,029,000 | 139,073,000 | 137,334,000 |
| Total loans | 73,717,000 | 78,742,000 | 77,964,000 | 80,074,000 |
| Allowance for loan losses | 789,000 | 811,000 | 888,000 | 783,000 |
| Securities available for sale | 46,397,000 | 44,611,000 | 39,377,000 | 39,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,996,000 | 120,854,000 | 122,414,000 | 119,997,000 |
| Interest-bearing deposits | 83,787,000 | 82,192,000 | 80,513,000 | 79,482,000 |
| Noninterest-bearing deposits | 39,209,000 | 38,662,000 | 41,901,000 | 40,515,000 |
| Equity capital | 12,165,000 | 12,424,000 | 12,136,000 | 11,932,000 |
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 | 1,673,000 | 3,431,000 | 5,219,000 | 6,918,000 |
| Interest expense | 300,000 | 623,000 | 948,000 | 1,294,000 |
| Net interest income | 1,373,000 | 2,808,000 | 4,271,000 | 5,624,000 |
| Noninterest income | 298,000 | 611,000 | 998,000 | 1,387,000 |
| Noninterest expense | 1,468,000 | 2,907,000 | 4,347,000 | 5,770,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 113,000 | 332,000 | 653,000 | 882,000 |
| Income tax | 15,000 | 56,000 | 121,000 | 161,000 |
| Net income | 98,000 | 276,000 | 532,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,413,000 | 11,500,000 | 11,363,000 | 11,279,000 |
| Total capital | 12,202,000 | 12,311,000 | 12,251,000 | 12,062,000 |
| Risk-weighted assets | 82,713,000 | 86,832,000 | 86,216,000 | 87,772,000 |