Call reports 2005
STATE BANK OF CAZENOVIA — 2005
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,270,000 | 29,164,000 | 29,009,000 | 30,321,000 |
| Total loans | 21,296,000 | 21,089,000 | 21,564,000 | 21,630,000 |
| Allowance for loan losses | 320,000 | 322,000 | 327,000 | 320,000 |
| Securities available for sale | 199,000 | 200,000 | 0 | 0 |
| Securities held to maturity | 4,208,000 | 4,207,000 | 4,206,000 | 4,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,567,000 | 24,364,000 | 24,137,000 | 25,498,000 |
| Interest-bearing deposits | 21,785,000 | 20,495,000 | 19,895,000 | 20,810,000 |
| Noninterest-bearing deposits | 3,782,000 | 3,869,000 | 4,242,000 | 4,688,000 |
| Equity capital | 4,523,000 | 4,583,000 | 4,609,000 | 4,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 375,000 | 755,000 | 1,140,000 | 1,535,000 |
| Interest expense | 68,000 | 139,000 | 216,000 | 300,000 |
| Net interest income | 307,000 | 616,000 | 924,000 | 1,235,000 |
| Noninterest income | 22,000 | 41,000 | 64,000 | 82,000 |
| Noninterest expense | 189,000 | 396,000 | 644,000 | 930,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 13,000 |
| Pretax income | 138,000 | 258,000 | 339,000 | 374,000 |
| Income tax | 50,000 | 110,000 | 165,000 | 135,000 |
| Net income | 88,000 | 148,000 | 174,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,524,000 | 4,584,000 | 4,609,000 | 4,650,000 |
| Total capital | 4,751,000 | 4,807,000 | 4,830,000 | 4,878,000 |
| Risk-weighted assets | 18,104,000 | 17,747,000 | 17,571,000 | 18,183,000 |