Call reports 2013
STATE BANK OF CAZENOVIA — 2013
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 34,215,000 | 34,437,000 | 33,911,000 | 36,347,000 |
| Total loans | 19,958,000 | 19,960,000 | 19,871,000 | 19,753,000 |
| Allowance for loan losses | 414,000 | 399,000 | 404,000 | 407,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,245,000 | 8,339,000 | 8,479,000 | 8,228,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,131,000 | 28,275,000 | 27,720,000 | 30,220,000 |
| Interest-bearing deposits | 22,126,000 | 22,434,000 | 21,181,000 | 22,938,000 |
| Noninterest-bearing deposits | 6,005,000 | 5,841,000 | 6,539,000 | 7,282,000 |
| Equity capital | 5,976,000 | 6,026,000 | 6,027,000 | 6,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 585,000 | 877,000 | 1,175,000 |
| Interest expense | 19,000 | 35,000 | 51,000 | 65,000 |
| Net interest income | 277,000 | 550,000 | 826,000 | 1,110,000 |
| Noninterest income | 17,000 | 33,000 | 50,000 | 68,000 |
| Noninterest expense | 256,000 | 491,000 | 777,000 | 1,083,000 |
| Provision for loan losses | 3,000 | 7,000 | 13,000 | 19,000 |
| Pretax income | 35,000 | 85,000 | 86,000 | 76,000 |
| Income tax | 10,000 | 10,000 | 10,000 | -26,000 |
| Net income | 25,000 | 75,000 | 76,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,976,000 | 6,026,000 | 6,027,000 | 6,036,000 |
| Total capital | 6,218,000 | 6,273,000 | 6,272,000 | 6,279,000 |
| Risk-weighted assets | 19,151,000 | 19,614,000 | 19,424,000 | 19,292,000 |