Call reports 2012
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2012
What CORTLAND SAVINGS AND BANKING COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 505,050,000 | 519,250,000 | 551,013,000 | 578,724,000 |
| Total loans | 284,161,000 | 299,139,000 | 309,193,000 | 342,038,000 |
| Allowance for loan losses | 3,139,000 | 3,338,000 | 3,617,000 | 3,825,000 |
| Securities available for sale | 179,565,000 | 174,124,000 | 171,909,000 | 181,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,503,000 | 414,639,000 | 439,145,000 | 477,160,000 |
| Interest-bearing deposits | 335,343,000 | 339,879,000 | 356,553,000 | 385,226,000 |
| Noninterest-bearing deposits | 74,160,000 | 74,760,000 | 82,592,000 | 91,934,000 |
| Equity capital | 43,672,000 | 44,239,000 | 46,673,000 | 45,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,304,000 | 10,530,000 | 15,666,000 | 21,012,000 |
| Interest expense | 1,065,000 | 2,093,000 | 3,106,000 | 4,075,000 |
| Net interest income | 4,239,000 | 8,437,000 | 12,560,000 | 16,937,000 |
| Noninterest income | 831,000 | 1,803,000 | 3,461,000 | 4,363,000 |
| Noninterest expense | 3,817,000 | 7,388,000 | 11,169,000 | 15,148,000 |
| Provision for loan losses | 270,000 | 600,000 | 900,000 | 3,020,000 |
| Pretax income | 819,000 | 2,112,000 | 3,837,000 | 2,991,000 |
| Income tax | -346,000 | -54,000 | 387,000 | -33,000 |
| Net income | 1,165,000 | 2,166,000 | 3,450,000 | 3,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,056,000 | 44,800,000 | 46,640,000 | 45,362,000 |
| Total capital | 53,279,000 | 54,222,000 | 56,340,000 | 55,271,000 |
| Risk-weighted assets | 388,789,000 | 401,506,000 | 398,906,000 | 407,871,000 |