Call reports 2001
CORTLAND SAVINGS BANK — 2001
What CORTLAND SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 250,727,000 | 252,383,000 | 256,144,000 | 255,617,000 |
| Total loans | 183,404,000 | 183,179,000 | 182,619,000 | 180,214,000 |
| Allowance for loan losses | 2,414,000 | 2,440,000 | 2,428,000 | 2,413,000 |
| Securities available for sale | 32,184,000 | 34,001,000 | 34,745,000 | 38,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,911,000 | 207,542,000 | 210,672,000 | 209,772,000 |
| Interest-bearing deposits | 189,878,000 | 193,255,000 | 195,693,000 | 196,087,000 |
| Noninterest-bearing deposits | 13,033,000 | 14,287,000 | 14,979,000 | 13,685,000 |
| Equity capital | 31,399,000 | 32,016,000 | 32,409,000 | 32,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,461,000 | 8,894,000 | 13,305,000 | 17,499,000 |
| Interest expense | 2,315,000 | 4,558,000 | 6,757,000 | 8,760,000 |
| Net interest income | 2,146,000 | 4,336,000 | 6,548,000 | 8,739,000 |
| Noninterest income | 247,000 | 487,000 | 803,000 | 1,220,000 |
| Noninterest expense | 1,468,000 | 3,107,000 | 5,031,000 | 6,672,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 868,000 | 1,599,000 | 2,143,000 | 3,081,000 |
| Income tax | 383,000 | 710,000 | 917,000 | 1,357,000 |
| Net income | 485,000 | 889,000 | 1,226,000 | 1,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,944,000 | 15,317,000 | 15,627,000 | 16,491,000 |
| Total capital | 15,941,000 | 17,343,000 | 17,715,000 | 18,545,000 |
| Risk-weighted assets | 159,332,000 | 161,293,000 | 167,064,000 | 164,278,000 |