Call reports 2009
STATE BANK OF CAZENOVIA — 2009
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,292,000 | 32,107,000 | 32,265,000 | 35,424,000 |
| Total loans | 22,382,000 | 23,068,000 | 23,158,000 | 22,352,000 |
| Allowance for loan losses | 358,000 | 381,000 | 370,000 | 382,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,028,000 | 3,886,000 | 4,016,000 | 4,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,727,000 | 26,422,000 | 26,520,000 | 29,739,000 |
| Interest-bearing deposits | 22,508,000 | 22,060,000 | 22,215,000 | 24,217,000 |
| Noninterest-bearing deposits | 4,219,000 | 4,362,000 | 4,305,000 | 5,522,000 |
| Equity capital | 5,435,000 | 5,491,000 | 5,525,000 | 5,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 801,000 | 1,199,000 | 1,588,000 |
| Interest expense | 79,000 | 151,000 | 221,000 | 293,000 |
| Net interest income | 322,000 | 650,000 | 978,000 | 1,295,000 |
| Noninterest income | 18,000 | 35,000 | 53,000 | 69,000 |
| Noninterest expense | 204,000 | 454,000 | 724,000 | 998,000 |
| Provision for loan losses | 2,000 | 5,000 | 11,000 | 30,000 |
| Pretax income | 134,000 | 226,000 | 296,000 | 336,000 |
| Income tax | 37,000 | 73,000 | 109,000 | 92,000 |
| Net income | 97,000 | 153,000 | 187,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,435,000 | 5,491,000 | 5,525,000 | 5,558,000 |
| Total capital | 5,689,000 | 5,750,000 | 5,782,000 | 5,817,000 |
| Risk-weighted assets | 20,215,000 | 20,600,000 | 20,446,000 | 20,584,000 |