Call reports 2007
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2007
What CORTLAND SAVINGS AND BANKING COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 477,635,000 | 482,291,000 | 495,225,000 | 489,258,000 |
| Total loans | 209,102,000 | 215,665,000 | 220,637,000 | 223,109,000 |
| Allowance for loan losses | 2,083,000 | 2,041,000 | 1,744,000 | 1,621,000 |
| Securities available for sale | 105,164,000 | 114,801,000 | 118,103,000 | 122,276,000 |
| Securities held to maturity | 121,809,000 | 121,211,000 | 121,813,000 | 112,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,352,000 | 372,303,000 | 376,116,000 | 367,096,000 |
| Interest-bearing deposits | 302,023,000 | 314,550,000 | 317,110,000 | 306,564,000 |
| Noninterest-bearing deposits | 60,329,000 | 57,753,000 | 59,006,000 | 60,532,000 |
| Equity capital | 45,222,000 | 45,706,000 | 47,073,000 | 42,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,918,000 | 14,158,000 | 21,489,000 | 28,942,000 |
| Interest expense | 3,216,000 | 6,711,000 | 10,301,000 | 13,832,000 |
| Net interest income | 3,702,000 | 7,447,000 | 11,188,000 | 15,110,000 |
| Noninterest income | 684,000 | 1,402,000 | 2,159,000 | 2,902,000 |
| Noninterest expense | 3,013,000 | 6,130,000 | 9,223,000 | 12,338,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 1,385,000 | 2,751,000 | 4,161,000 | 5,711,000 |
| Income tax | 285,000 | 569,000 | 873,000 | 1,231,000 |
| Net income | 1,100,000 | 2,182,000 | 3,288,000 | 4,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,354,000 | 46,445,000 | 47,560,000 | 42,461,000 |
| Total capital | 47,453,000 | 48,493,000 | 49,307,000 | 50,096,000 |
| Risk-weighted assets | 266,161,000 | 274,620,000 | 281,392,000 | 285,875,000 |
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