Call reports 2002
STATE BANK OF CAZENOVIA — 2002
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 29,405,000 | 29,435,000 | 29,197,000 | 30,305,000 |
| Total loans | 19,629,000 | 19,587,000 | 20,006,000 | 19,957,000 |
| Allowance for loan losses | 308,000 | 314,000 | 315,000 | 299,000 |
| Securities available for sale | 202,000 | 204,000 | 204,000 | 203,000 |
| Securities held to maturity | 5,098,000 | 4,998,000 | 4,996,000 | 4,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,238,000 | 25,222,000 | 24,902,000 | 26,061,000 |
| Interest-bearing deposits | 21,716,000 | 21,605,000 | 21,047,000 | 21,924,000 |
| Noninterest-bearing deposits | 3,522,000 | 3,617,000 | 3,855,000 | 4,137,000 |
| Equity capital | 3,918,000 | 3,967,000 | 4,022,000 | 4,079,000 |
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 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 890,000 | 1,322,000 | 1,728,000 |
| Interest expense | 164,000 | 310,000 | 445,000 | 566,000 |
| Net interest income | 293,000 | 580,000 | 877,000 | 1,162,000 |
| Noninterest income | 17,000 | 33,000 | 52,000 | 74,000 |
| Noninterest expense | 186,000 | 395,000 | 609,000 | 826,000 |
| Provision for loan losses | 4,000 | 6,000 | 8,000 | 9,000 |
| Pretax income | 120,000 | 212,000 | 312,000 | 401,000 |
| Income tax | 49,000 | 94,000 | 139,000 | 141,000 |
| Net income | 71,000 | 118,000 | 173,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,916,000 | 3,963,000 | 4,018,000 | 4,076,000 |
| Total capital | 4,125,000 | 4,172,000 | 4,230,000 | 4,291,000 |
| Risk-weighted assets | 16,628,000 | 16,641,000 | 16,860,000 | 17,130,000 |