Call reports 2006
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2006
What CORTLAND SAVINGS AND BANKING COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 453,575,000 | 457,433,000 | 463,473,000 | 468,560,000 |
| Total loans | 189,731,000 | 198,036,000 | 198,764,000 | 205,208,000 |
| Allowance for loan losses | 2,202,000 | 2,180,000 | 2,209,000 | 2,211,000 |
| Securities available for sale | 106,156,000 | 102,845,000 | 103,441,000 | 104,219,000 |
| Securities held to maturity | 126,346,000 | 126,398,000 | 123,187,000 | 124,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,125,000 | 346,633,000 | 356,717,000 | 358,782,000 |
| Interest-bearing deposits | 287,423,000 | 284,382,000 | 298,551,000 | 294,835,000 |
| Noninterest-bearing deposits | 62,702,000 | 62,251,000 | 58,166,000 | 63,947,000 |
| Equity capital | 42,484,000 | 42,618,000 | 43,996,000 | 44,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,307,000 | 12,789,000 | 19,573,000 | 26,451,000 |
| Interest expense | 2,653,000 | 5,436,000 | 8,416,000 | 11,582,000 |
| Net interest income | 3,654,000 | 7,353,000 | 11,157,000 | 14,869,000 |
| Noninterest income | 604,000 | 1,297,000 | 1,987,000 | 2,728,000 |
| Noninterest expense | 2,919,000 | 5,889,000 | 8,866,000 | 11,738,000 |
| Provision for loan losses | 66,000 | 130,000 | 175,000 | 225,000 |
| Pretax income | 1,273,000 | 2,649,000 | 4,121,000 | 5,652,000 |
| Income tax | 90,000 | 365,000 | 678,000 | 1,006,000 |
| Net income | 1,183,000 | 2,284,000 | 3,443,000 | 4,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,554,000 | 43,964,000 | 44,432,000 | 44,945,000 |
| Total capital | 45,769,000 | 46,164,000 | 46,668,000 | 47,183,000 |
| Risk-weighted assets | 238,815,000 | 248,755,000 | 252,832,000 | 263,760,000 |
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