Call reports 2010
STATE BANK OF CAZENOVIA — 2010
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 33,094,000 | 33,378,000 | 31,264,000 | 35,238,000 |
| Total loans | 21,797,000 | 21,473,000 | 21,644,000 | 22,095,000 |
| Allowance for loan losses | 394,000 | 398,000 | 399,000 | 406,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,306,000 | 4,873,000 | 5,055,000 | 5,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,331,000 | 27,560,000 | 25,401,000 | 29,405,000 |
| Interest-bearing deposits | 22,781,000 | 22,551,000 | 21,290,000 | 23,778,000 |
| Noninterest-bearing deposits | 4,550,000 | 5,009,000 | 4,111,000 | 5,627,000 |
| Equity capital | 5,604,000 | 5,647,000 | 5,672,000 | 5,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 368,000 | 738,000 | 1,105,000 | 1,470,000 |
| Interest expense | 69,000 | 133,000 | 192,000 | 245,000 |
| Net interest income | 299,000 | 605,000 | 913,000 | 1,225,000 |
| Noninterest income | 19,000 | 36,000 | 56,000 | 73,000 |
| Noninterest expense | 226,000 | 470,000 | 737,000 | 1,008,000 |
| Provision for loan losses | 11,000 | 14,000 | 17,000 | 20,000 |
| Pretax income | 81,000 | 157,000 | 215,000 | 270,000 |
| Income tax | 35,000 | 68,000 | 101,000 | 75,000 |
| Net income | 46,000 | 89,000 | 114,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,604,000 | 5,647,000 | 5,672,000 | 5,734,000 |
| Total capital | 5,852,000 | 5,892,000 | 5,915,000 | 5,996,000 |
| Risk-weighted assets | 19,685,000 | 19,447,000 | 19,320,000 | 20,852,000 |