Call reports 2012
CHEMUNG CANAL TRUST COMPANY — 2012
What CHEMUNG CANAL TRUST COMPANY 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 | 1,251,596,000 | 1,264,954,000 | 1,284,586,000 | 1,245,950,000 |
| Total loans | 803,859,000 | 856,430,000 | 877,533,000 | 894,574,000 |
| Allowance for loan losses | 10,283,000 | 10,393,000 | 10,828,000 | 10,433,000 |
| Securities available for sale | 258,780,000 | 260,276,000 | 253,038,000 | 239,057,000 |
| Securities held to maturity | 7,447,000 | 6,334,000 | 6,162,000 | 5,748,000 |
| Trading assets | 254,000 | 252,000 | 275,000 | 348,000 |
| Total deposits | 1,040,441,000 | 1,055,714,000 | 1,085,523,000 | 1,047,142,000 |
| Interest-bearing deposits | 768,344,000 | 758,238,000 | 782,784,000 | 746,489,000 |
| Noninterest-bearing deposits | 272,097,000 | 297,476,000 | 302,739,000 | 300,653,000 |
| Equity capital | 124,328,000 | 125,849,000 | 128,319,000 | 126,598,000 |
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 | 13,537,000 | 26,301,000 | 39,315,000 | 52,071,000 |
| Interest expense | 1,525,000 | 2,926,000 | 4,167,000 | 5,300,000 |
| Net interest income | 12,012,000 | 23,375,000 | 35,148,000 | 46,771,000 |
| Noninterest income | 4,530,000 | 8,356,000 | 12,117,000 | 16,047,000 |
| Noninterest expense | 10,714,000 | 22,343,000 | 33,474,000 | 45,801,000 |
| Provision for loan losses | 477,000 | 529,000 | 754,000 | 827,000 |
| Pretax income | 5,648,000 | 9,159,000 | 13,338,000 | 16,491,000 |
| Income tax | 1,969,000 | 3,083,000 | 4,469,000 | 5,506,000 |
| Net income | 3,679,000 | 6,076,000 | 8,869,000 | 10,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,824,000 | 99,289,000 | 101,214,000 | 102,460,000 |
| Total capital | 110,711,000 | 112,018,000 | 114,541,000 | 115,392,000 |
| Risk-weighted assets | 835,639,000 | 885,218,000 | 905,575,000 | 913,057,000 |