Call reports 2011
STATE BANK OF CAZENOVIA — 2011
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 34,233,000 | 33,145,000 | 33,833,000 | 34,780,000 |
| Total loans | 22,253,000 | 21,129,000 | 20,370,000 | 20,192,000 |
| Allowance for loan losses | 410,000 | 413,000 | 418,000 | 420,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,935,000 | 4,882,000 | 5,505,000 | 5,664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,342,000 | 27,180,000 | 27,814,000 | 28,870,000 |
| Interest-bearing deposits | 22,568,000 | 22,417,000 | 22,595,000 | 23,669,000 |
| Noninterest-bearing deposits | 5,774,000 | 4,763,000 | 5,219,000 | 5,201,000 |
| Equity capital | 5,764,000 | 5,819,000 | 5,847,000 | 5,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 344,000 | 695,000 | 1,031,000 | 1,356,000 |
| Interest expense | 51,000 | 94,000 | 135,000 | 171,000 |
| Net interest income | 293,000 | 601,000 | 896,000 | 1,185,000 |
| Noninterest income | 20,000 | 37,000 | 55,000 | 77,000 |
| Noninterest expense | 256,000 | 515,000 | 787,000 | 1,109,000 |
| Provision for loan losses | 3,000 | 6,000 | 10,000 | 16,000 |
| Pretax income | 54,000 | 117,000 | 154,000 | 137,000 |
| Income tax | 24,000 | 32,000 | 41,000 | 8,000 |
| Net income | 30,000 | 85,000 | 113,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,764,000 | 5,819,000 | 5,847,000 | 5,844,000 |
| Total capital | 6,028,000 | 6,068,000 | 6,087,000 | 6,082,000 |
| Risk-weighted assets | 20,943,000 | 19,759,000 | 19,048,000 | 18,874,000 |