Call reports 2006
STATE BANK OF CAZENOVIA — 2006
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,573,000 | 30,000,000 | 28,641,000 | 30,842,000 |
| Total loans | 21,209,000 | 20,971,000 | 21,811,000 | 22,385,000 |
| Allowance for loan losses | 330,000 | 321,000 | 327,000 | 309,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,204,000 | 4,202,000 | 3,001,000 | 3,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,647,000 | 24,998,000 | 23,550,000 | 25,778,000 |
| Interest-bearing deposits | 20,311,000 | 20,658,000 | 19,790,000 | 21,253,000 |
| Noninterest-bearing deposits | 4,336,000 | 4,340,000 | 3,760,000 | 4,525,000 |
| Equity capital | 4,708,000 | 4,767,000 | 4,831,000 | 4,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 803,000 | 1,229,000 | 1,677,000 |
| Interest expense | 96,000 | 202,000 | 312,000 | 438,000 |
| Net interest income | 303,000 | 601,000 | 917,000 | 1,239,000 |
| Noninterest income | 19,000 | 39,000 | 57,000 | 76,000 |
| Noninterest expense | 222,000 | 439,000 | 666,000 | 926,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 16,000 |
| Pretax income | 98,000 | 198,000 | 303,000 | 373,000 |
| Income tax | 40,000 | 81,000 | 122,000 | 131,000 |
| Net income | 58,000 | 117,000 | 181,000 | 242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,708,000 | 4,767,000 | 4,831,000 | 4,868,000 |
| Total capital | 4,931,000 | 4,989,000 | 5,062,000 | 5,104,000 |
| Risk-weighted assets | 17,746,000 | 17,622,000 | 18,343,000 | 18,817,000 |