Call reports 2008
STATE BANK OF CAZENOVIA — 2008
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,964,000 | 31,245,000 | 31,625,000 | 33,368,000 |
| Total loans | 21,347,000 | 21,106,000 | 21,716,000 | 22,748,000 |
| Allowance for loan losses | 374,000 | 373,000 | 373,000 | 363,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,334,000 | 4,345,000 | 4,093,000 | 4,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,497,000 | 25,781,000 | 26,125,000 | 27,908,000 |
| Interest-bearing deposits | 20,834,000 | 21,308,000 | 21,053,000 | 23,360,000 |
| Noninterest-bearing deposits | 6,663,000 | 4,473,000 | 5,072,000 | 4,548,000 |
| Equity capital | 5,211,000 | 5,240,000 | 5,265,000 | 5,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 479,000 | 921,000 | 1,360,000 | 1,785,000 |
| Interest expense | 138,000 | 257,000 | 365,000 | 458,000 |
| Net interest income | 341,000 | 664,000 | 995,000 | 1,327,000 |
| Noninterest income | 20,000 | 38,000 | 56,000 | 73,000 |
| Noninterest expense | 230,000 | 483,000 | 761,000 | 1,051,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 12,000 |
| Pretax income | 129,000 | 215,000 | 285,000 | 337,000 |
| Income tax | 63,000 | 120,000 | 165,000 | 120,000 |
| Net income | 66,000 | 95,000 | 120,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,211,000 | 5,240,000 | 5,265,000 | 5,338,000 |
| Total capital | 5,442,000 | 5,466,000 | 5,500,000 | 5,591,000 |
| Risk-weighted assets | 18,374,000 | 17,915,000 | 18,694,000 | 20,102,000 |