Call reports 2004
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2004
What CORTLAND SAVINGS AND BANKING COMPANY, THE 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 | 431,676,000 | 438,086,000 | 442,570,000 | 443,232,000 |
| Total loans | 196,006,000 | 197,267,000 | 194,936,000 | 191,777,000 |
| Allowance for loan losses | 2,459,000 | 2,496,000 | 2,608,000 | 2,629,000 |
| Securities available for sale | 113,524,000 | 114,230,000 | 116,152,000 | 117,272,000 |
| Securities held to maturity | 90,393,000 | 98,691,000 | 99,500,000 | 104,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,944,000 | 345,648,000 | 348,502,000 | 348,086,000 |
| Interest-bearing deposits | 282,999,000 | 288,480,000 | 291,831,000 | 286,525,000 |
| Noninterest-bearing deposits | 53,945,000 | 57,168,000 | 56,671,000 | 61,561,000 |
| Equity capital | 44,635,000 | 42,857,000 | 44,153,000 | 43,368,000 |
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 | 5,491,000 | 10,882,000 | 16,488,000 | 22,122,000 |
| Interest expense | 1,966,000 | 3,940,000 | 5,964,000 | 8,010,000 |
| Net interest income | 3,525,000 | 6,942,000 | 10,524,000 | 14,112,000 |
| Noninterest income | 561,000 | 1,207,000 | 1,965,000 | 2,698,000 |
| Noninterest expense | 2,893,000 | 5,755,000 | 8,632,000 | 11,562,000 |
| Provision for loan losses | 75,000 | 100,000 | 275,000 | 415,000 |
| Pretax income | 1,350,000 | 2,597,000 | 4,168,000 | 5,797,000 |
| Income tax | 221,000 | 402,000 | 688,000 | 1,002,000 |
| Net income | 1,129,000 | 2,195,000 | 3,480,000 | 4,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,926,000 | 42,002,000 | 42,296,000 | 42,120,000 |
| Total capital | 44,385,000 | 44,498,000 | 44,904,000 | 44,784,000 |
| Risk-weighted assets | 233,059,000 | 232,893,000 | 228,281,000 | 227,696,000 |
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