Call reports 2001
STATE BANK OF CAZENOVIA — 2001
What STATE BANK OF CAZENOVIA 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 | 28,525,000 | 28,255,000 | 28,641,000 | 30,974,000 |
| Total loans | 18,952,000 | 19,470,000 | 19,917,000 | 20,277,000 |
| Allowance for loan losses | 289,000 | 245,000 | 263,000 | 290,000 |
| Securities available for sale | 201,000 | 201,000 | 204,000 | 203,000 |
| Securities held to maturity | 5,346,000 | 5,297,000 | 5,098,000 | 5,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,552,000 | 24,205,000 | 24,545,000 | 26,886,000 |
| Interest-bearing deposits | 21,135,000 | 21,156,000 | 21,132,000 | 22,826,000 |
| Noninterest-bearing deposits | 3,417,000 | 3,049,000 | 3,413,000 | 4,060,000 |
| Equity capital | 3,699,000 | 3,737,000 | 3,766,000 | 3,848,000 |
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 | 532,000 | 1,038,000 | 1,544,000 | 2,037,000 |
| Interest expense | 237,000 | 453,000 | 655,000 | 844,000 |
| Net interest income | 295,000 | 585,000 | 889,000 | 1,193,000 |
| Noninterest income | 19,000 | 36,000 | 53,000 | 70,000 |
| Noninterest expense | 167,000 | 359,000 | 588,000 | 802,000 |
| Provision for loan losses | 6,000 | 23,000 | 44,000 | 70,000 |
| Pretax income | 141,000 | 239,000 | 310,000 | 391,000 |
| Income tax | 60,000 | 120,000 | 165,000 | 134,000 |
| Net income | 81,000 | 119,000 | 145,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,698,000 | 3,737,000 | 3,763,000 | 3,845,000 |
| Total capital | 3,898,000 | 3,941,000 | 3,972,000 | 4,063,000 |
| Risk-weighted assets | 15,921,000 | 16,278,000 | 16,659,000 | 17,405,000 |