Call reports 2007
STATE BANK OF CAZENOVIA — 2007
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,078,000 | 31,225,000 | 30,580,000 | 32,725,000 |
| Total loans | 21,925,000 | 21,577,000 | 21,599,000 | 21,180,000 |
| Allowance for loan losses | 338,000 | 340,000 | 350,000 | 359,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,686,000 | 3,687,000 | 3,886,000 | 4,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,889,000 | 25,914,000 | 25,190,000 | 27,359,000 |
| Interest-bearing deposits | 20,668,000 | 21,610,000 | 20,896,000 | 22,109,000 |
| Noninterest-bearing deposits | 4,221,000 | 4,304,000 | 4,294,000 | 5,250,000 |
| Equity capital | 4,931,000 | 5,025,000 | 5,064,000 | 5,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 951,000 | 1,441,000 | 1,940,000 |
| Interest expense | 135,000 | 276,000 | 424,000 | 567,000 |
| Net interest income | 334,000 | 675,000 | 1,017,000 | 1,373,000 |
| Noninterest income | 20,000 | 38,000 | 57,000 | 76,000 |
| Noninterest expense | 232,000 | 446,000 | 705,000 | 972,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 119,000 | 261,000 | 360,000 | 465,000 |
| Income tax | 56,000 | 104,000 | 164,000 | 159,000 |
| Net income | 63,000 | 157,000 | 196,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,931,000 | 5,025,000 | 5,064,000 | 5,145,000 |
| Total capital | 5,160,000 | 5,256,000 | 5,294,000 | 5,377,000 |
| Risk-weighted assets | 18,250,000 | 18,332,000 | 18,299,000 | 18,415,000 |