Call reports 2004
STATE BANK OF CAZENOVIA — 2004
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,213,000 | 31,916,000 | 31,534,000 | 32,231,000 |
| Total loans | 19,869,000 | 20,711,000 | 21,296,000 | 21,212,000 |
| Allowance for loan losses | 304,000 | 310,000 | 306,000 | 316,000 |
| Securities available for sale | 201,000 | 199,000 | 199,000 | 199,000 |
| Securities held to maturity | 4,667,000 | 4,216,000 | 4,211,000 | 4,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,747,000 | 27,360,000 | 26,884,000 | 27,669,000 |
| Interest-bearing deposits | 22,476,000 | 22,250,000 | 21,812,000 | 23,272,000 |
| Noninterest-bearing deposits | 4,271,000 | 5,110,000 | 5,072,000 | 4,397,000 |
| Equity capital | 4,308,000 | 4,369,000 | 4,446,000 | 4,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 718,000 | 1,086,000 | 1,462,000 |
| Interest expense | 78,000 | 146,000 | 210,000 | 271,000 |
| Net interest income | 278,000 | 572,000 | 876,000 | 1,191,000 |
| Noninterest income | 16,000 | 32,000 | 49,000 | 65,000 |
| Noninterest expense | 200,000 | 395,000 | 598,000 | 839,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 16,000 |
| Pretax income | 93,000 | 206,000 | 323,000 | 401,000 |
| Income tax | 38,000 | 89,000 | 129,000 | 194,000 |
| Net income | 55,000 | 117,000 | 194,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,307,000 | 4,370,000 | 4,447,000 | 4,436,000 |
| Total capital | 4,523,000 | 4,594,000 | 4,676,000 | 4,666,000 |
| Risk-weighted assets | 17,180,000 | 17,825,000 | 18,241,000 | 18,294,000 |