Call reports 2010
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2010
What CORTLAND SAVINGS AND BANKING COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 482,783,000 | 475,796,000 | 479,724,000 | 497,001,000 |
| Total loans | 237,137,000 | 237,211,000 | 233,317,000 | 265,441,000 |
| Allowance for loan losses | 2,447,000 | 2,514,000 | 2,506,000 | 2,501,000 |
| Securities available for sale | 153,746,000 | 150,540,000 | 177,150,000 | 165,067,000 |
| Securities held to maturity | 29,635,000 | 25,339,000 | 21,125,000 | 20,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,071,000 | 371,170,000 | 377,287,000 | 392,123,000 |
| Interest-bearing deposits | 317,985,000 | 311,078,000 | 317,172,000 | 330,147,000 |
| Noninterest-bearing deposits | 58,086,000 | 60,092,000 | 60,115,000 | 61,976,000 |
| Equity capital | 34,575,000 | 36,116,000 | 36,610,000 | 37,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,548,000 | 11,167,000 | 16,536,000 | 21,869,000 |
| Interest expense | 1,761,000 | 3,385,000 | 4,954,000 | 6,371,000 |
| Net interest income | 3,787,000 | 7,782,000 | 11,582,000 | 15,498,000 |
| Noninterest income | 677,000 | 1,409,000 | 2,086,000 | 2,902,000 |
| Noninterest expense | 2,697,000 | 5,784,000 | 9,015,000 | 12,162,000 |
| Provision for loan losses | 175,000 | 295,000 | 325,000 | 505,000 |
| Pretax income | 1,048,000 | 2,918,000 | 2,715,000 | 4,039,000 |
| Income tax | 156,000 | 649,000 | 422,000 | 700,000 |
| Net income | 892,000 | 2,269,000 | 2,293,000 | 3,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,762,000 | 39,148,000 | 36,702,000 | 38,129,000 |
| Total capital | 46,293,000 | 47,745,000 | 45,292,000 | 46,714,000 |
| Risk-weighted assets | 357,231,000 | 359,576,000 | 359,792,000 | 364,843,000 |
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