Call reports 2009
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2009
What CORTLAND SAVINGS AND BANKING COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 490,316,000 | 497,045,000 | 495,327,000 | 494,202,000 |
| Total loans | 236,411,000 | 235,652,000 | 236,539,000 | 248,248,000 |
| Allowance for loan losses | 2,585,000 | 2,556,000 | 2,389,000 | 2,437,000 |
| Securities available for sale | 106,182,000 | 101,250,000 | 136,308,000 | 137,482,000 |
| Securities held to maturity | 62,778,000 | 36,732,000 | 33,859,000 | 30,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,054,000 | 387,087,000 | 380,804,000 | 388,300,000 |
| Interest-bearing deposits | 325,354,000 | 327,969,000 | 324,276,000 | 327,322,000 |
| Noninterest-bearing deposits | 57,700,000 | 59,118,000 | 56,528,000 | 60,978,000 |
| Equity capital | 28,973,000 | 30,959,000 | 32,848,000 | 32,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,473,000 | 12,352,000 | 18,113,000 | 23,611,000 |
| Interest expense | 2,585,000 | 5,020,000 | 7,269,000 | 9,243,000 |
| Net interest income | 3,888,000 | 7,332,000 | 10,844,000 | 14,368,000 |
| Noninterest income | 783,000 | 1,608,000 | 2,375,000 | 3,147,000 |
| Noninterest expense | 3,221,000 | 6,675,000 | 9,985,000 | 13,335,000 |
| Provision for loan losses | 151,000 | 216,000 | 337,000 | 427,000 |
| Pretax income | -2,342,000 | -9,298,000 | -10,974,000 | -10,193,000 |
| Income tax | -949,000 | -3,468,000 | -4,182,000 | -4,066,000 |
| Net income | -1,393,000 | -5,830,000 | -6,792,000 | -6,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,567,000 | 37,139,000 | 36,186,000 | 36,861,000 |
| Total capital | 50,236,000 | 45,772,000 | 44,664,000 | 45,371,000 |
| Risk-weighted assets | 461,165,000 | 371,248,000 | 360,715,000 | 363,715,000 |
Machine access — free, no API key
Every figure shown here about CORTLAND SAVINGS AND BANKING COMPANY, THE — 2009 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.