Call reports 2011
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2011
What CORTLAND SAVINGS AND BANKING COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 486,253,000 | 481,337,000 | 494,458,000 | 516,479,000 |
| Total loans | 257,731,000 | 258,904,000 | 263,730,000 | 290,043,000 |
| Allowance for loan losses | 2,641,000 | 2,853,000 | 3,058,000 | 3,058,000 |
| Securities available for sale | 176,825,000 | 173,553,000 | 185,611,000 | 182,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,770,000 | 391,377,000 | 402,663,000 | 423,236,000 |
| Interest-bearing deposits | 322,407,000 | 326,845,000 | 333,319,000 | 352,039,000 |
| Noninterest-bearing deposits | 62,363,000 | 64,532,000 | 69,344,000 | 71,197,000 |
| Equity capital | 39,813,000 | 40,674,000 | 40,258,000 | 41,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,319,000 | 10,657,000 | 15,931,000 | 21,107,000 |
| Interest expense | 1,253,000 | 2,458,000 | 3,616,000 | 4,735,000 |
| Net interest income | 4,066,000 | 8,199,000 | 12,315,000 | 16,372,000 |
| Noninterest income | 621,000 | 1,235,000 | 1,985,000 | 2,764,000 |
| Noninterest expense | 3,286,000 | 6,480,000 | 9,720,000 | 13,113,000 |
| Provision for loan losses | 174,000 | 548,000 | 872,000 | 1,196,000 |
| Pretax income | 1,108,000 | 2,938,000 | 4,330,000 | 5,456,000 |
| Income tax | 222,000 | 705,000 | 1,036,000 | 1,278,000 |
| Net income | 886,000 | 2,233,000 | 3,294,000 | 4,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,087,000 | 40,397,000 | 41,782,000 | 43,119,000 |
| Total capital | 47,812,000 | 49,334,000 | 50,924,000 | 52,261,000 |
| Risk-weighted assets | 372,675,000 | 376,372,000 | 377,718,000 | 384,449,000 |
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