Call reports 2014
CORTLAND SAVINGS AND BANKING COMPANY, THE — 2014
What CORTLAND SAVINGS AND BANKING COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 522,430,000 | 530,884,000 | 545,728,000 | 565,286,000 |
| Total loans | 312,793,000 | 316,623,000 | 331,140,000 | 360,817,000 |
| Allowance for loan losses | 4,051,000 | 4,134,000 | 4,078,000 | 5,202,000 |
| Securities available for sale | 159,476,000 | 167,864,000 | 161,957,000 | 159,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,450,000 | 7,679,000 | 7,799,000 | 7,861,000 |
| Total deposits | 417,547,000 | 425,106,000 | 430,373,000 | 456,872,000 |
| Interest-bearing deposits | 330,174,000 | 332,887,000 | 340,896,000 | 362,030,000 |
| Noninterest-bearing deposits | 87,373,000 | 92,219,000 | 89,477,000 | 94,842,000 |
| Equity capital | 48,588,000 | 50,735,000 | 51,519,000 | 52,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,216,000 | 10,339,000 | 15,441,000 | 20,662,000 |
| Interest expense | 744,000 | 1,471,000 | 2,197,000 | 2,886,000 |
| Net interest income | 4,472,000 | 8,868,000 | 13,244,000 | 17,776,000 |
| Noninterest income | 843,000 | 1,774,000 | 2,589,000 | 3,477,000 |
| Noninterest expense | 3,594,000 | 7,394,000 | 11,164,000 | 15,188,000 |
| Provision for loan losses | 150,000 | 300,000 | 488,000 | 1,638,000 |
| Pretax income | 1,764,000 | 3,141,000 | 4,378,000 | 5,015,000 |
| Income tax | 431,000 | 716,000 | 957,000 | 997,000 |
| Net income | 1,333,000 | 2,425,000 | 3,421,000 | 4,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,169,000 | 49,303,000 | 50,015,000 | 50,192,000 |
| Total capital | 58,304,000 | 59,520,000 | 60,177,000 | 61,191,000 |
| Risk-weighted assets | 377,679,000 | 388,178,000 | 395,327,000 | 399,639,000 |
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