Call reports 2003
STATE BANK OF CAZENOVIA — 2003
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,130,000 | 30,568,000 | 30,868,000 | 33,703,000 |
| Total loans | 18,884,000 | 19,189,000 | 19,562,000 | 20,110,000 |
| Allowance for loan losses | 296,000 | 298,000 | 305,000 | 314,000 |
| Securities available for sale | 202,000 | 201,000 | 200,000 | 200,000 |
| Securities held to maturity | 4,597,000 | 4,547,000 | 4,548,000 | 4,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,831,000 | 26,217,000 | 26,463,000 | 29,314,000 |
| Interest-bearing deposits | 21,937,000 | 22,301,000 | 22,222,000 | 24,152,000 |
| Noninterest-bearing deposits | 3,894,000 | 3,916,000 | 4,241,000 | 5,162,000 |
| Equity capital | 4,109,000 | 4,151,000 | 4,182,000 | 4,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 749,000 | 1,109,000 | 1,475,000 |
| Interest expense | 115,000 | 221,000 | 316,000 | 408,000 |
| Net interest income | 264,000 | 528,000 | 793,000 | 1,067,000 |
| Noninterest income | 17,000 | 34,000 | 50,000 | 66,000 |
| Noninterest expense | 209,000 | 433,000 | 655,000 | 845,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 70,000 | 126,000 | 183,000 | 282,000 |
| Income tax | 40,000 | 54,000 | 79,000 | 88,000 |
| Net income | 30,000 | 72,000 | 104,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,107,000 | 4,150,000 | 4,183,000 | 4,253,000 |
| Total capital | 4,313,000 | 4,358,000 | 4,396,000 | 4,478,000 |
| Risk-weighted assets | 16,407,000 | 16,550,000 | 16,986,000 | 17,911,000 |