Call reports 2005
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2005
What CORTLAND SAVINGS AND BANKING COMPANY, THE 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 | 438,564,000 | 436,234,000 | 446,524,000 | 456,663,000 |
| Total loans | 195,673,000 | 193,865,000 | 192,398,000 | 188,202,000 |
| Allowance for loan losses | 2,734,000 | 2,862,000 | 2,204,000 | 2,168,000 |
| Securities available for sale | 112,196,000 | 107,798,000 | 109,705,000 | 109,267,000 |
| Securities held to maturity | 100,434,000 | 102,558,000 | 108,368,000 | 121,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,263,000 | 340,744,000 | 346,468,000 | 353,492,000 |
| Interest-bearing deposits | 282,246,000 | 279,757,000 | 283,625,000 | 288,593,000 |
| Noninterest-bearing deposits | 61,017,000 | 60,987,000 | 62,843,000 | 64,899,000 |
| Equity capital | 42,860,000 | 43,845,000 | 43,317,000 | 42,435,000 |
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 | 5,645,000 | 11,458,000 | 17,330,000 | 23,530,000 |
| Interest expense | 2,005,000 | 4,029,000 | 6,226,000 | 8,665,000 |
| Net interest income | 3,640,000 | 7,429,000 | 11,104,000 | 14,865,000 |
| Noninterest income | 671,000 | 1,353,000 | 2,063,000 | 2,737,000 |
| Noninterest expense | 2,880,000 | 5,787,000 | 9,025,000 | 11,930,000 |
| Provision for loan losses | 112,000 | 250,000 | 410,000 | 545,000 |
| Pretax income | 1,621,000 | 3,049,000 | 4,040,000 | 5,435,000 |
| Income tax | 344,000 | 625,000 | 758,000 | 1,029,000 |
| Net income | 1,277,000 | 2,424,000 | 3,282,000 | 4,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,706,000 | 43,162,000 | 43,330,000 | 43,062,000 |
| Total capital | 45,458,000 | 46,030,000 | 45,545,000 | 45,251,000 |
| Risk-weighted assets | 234,860,000 | 234,276,000 | 238,103,000 | 239,235,000 |
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