Call reports 2002
CORTLAND SAVINGS BANK — 2002
What CORTLAND SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 264,370,000 | 266,242,000 | 270,036,000 |
| Total loans | 179,875,000 | 181,605,000 | 175,740,000 |
| Allowance for loan losses | 2,462,000 | 2,542,000 | 2,488,000 |
| Securities available for sale | 43,314,000 | 47,435,000 | 43,803,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 213,772,000 | 217,166,000 | 218,463,000 |
| Interest-bearing deposits | 198,519,000 | 201,168,000 | 206,209,000 |
| Noninterest-bearing deposits | 15,253,000 | 15,998,000 | 12,254,000 |
| Equity capital | 33,344,000 | 33,955,000 | 34,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Interest income | 4,285,000 | 8,423,000 | 12,514,000 |
| Interest expense | 1,796,000 | 3,524,000 | 5,110,000 |
| Net interest income | 2,489,000 | 4,899,000 | 7,404,000 |
| Noninterest income | 393,000 | 859,000 | 1,357,000 |
| Noninterest expense | 1,327,000 | 2,898,000 | 4,268,000 |
| Provision for loan losses | 123,000 | 246,000 | 369,000 |
| Pretax income | 1,111,000 | 1,954,000 | 3,417,000 |
| Income tax | 356,000 | 624,000 | 1,111,000 |
| Net income | 755,000 | 1,330,000 | 2,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 17,237,000 | 17,548,000 | 18,185,000 |
| Total capital | 19,397,000 | 19,697,000 | 20,287,000 |
| Risk-weighted assets | 172,818,000 | 171,953,000 | 168,180,000 |