Call reports 2012
STATE BANK OF CAZENOVIA — 2012
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 34,602,000 | 34,076,000 | 33,679,000 | 36,837,000 |
| Total loans | 19,721,000 | 19,827,000 | 19,996,000 | 20,089,000 |
| Allowance for loan losses | 427,000 | 433,000 | 439,000 | 434,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,304,000 | 7,901,000 | 7,800,000 | 7,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,643,000 | 28,038,000 | 27,578,000 | 30,792,000 |
| Interest-bearing deposits | 23,257,000 | 22,913,000 | 22,303,000 | 24,102,000 |
| Noninterest-bearing deposits | 5,386,000 | 5,125,000 | 5,275,000 | 6,690,000 |
| Equity capital | 5,877,000 | 5,906,000 | 5,946,000 | 5,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 314,000 | 617,000 | 920,000 | 1,225,000 |
| Interest expense | 33,000 | 63,000 | 87,000 | 107,000 |
| Net interest income | 281,000 | 554,000 | 833,000 | 1,118,000 |
| Noninterest income | 20,000 | 37,000 | 55,000 | 70,000 |
| Noninterest expense | 250,000 | 499,000 | 750,000 | 1,042,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 45,000 | 80,000 | 120,000 | 122,000 |
| Income tax | 12,000 | 18,000 | 18,000 | 5,000 |
| Net income | 33,000 | 62,000 | 102,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,877,000 | 5,906,000 | 5,946,000 | 5,951,000 |
| Total capital | 6,112,000 | 6,142,000 | 6,184,000 | 6,199,000 |
| Risk-weighted assets | 18,631,000 | 18,716,000 | 18,851,000 | 19,635,000 |