Call reports 2014
STATE BANK OF CAZENOVIA — 2014
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 34,831,000 | 34,761,000 | 35,286,000 | 37,556,000 |
| Total loans | 19,356,000 | 19,405,000 | 19,418,000 | 19,030,000 |
| Allowance for loan losses | 412,000 | 408,000 | 408,000 | 409,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,052,000 | 8,062,000 | 8,306,000 | 8,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,683,000 | 28,506,000 | 28,948,000 | 31,273,000 |
| Interest-bearing deposits | 21,842,000 | 21,967,000 | 22,048,000 | 23,810,000 |
| Noninterest-bearing deposits | 6,841,000 | 6,539,000 | 6,900,000 | 7,463,000 |
| Equity capital | 6,040,000 | 6,124,000 | 6,156,000 | 6,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 284,000 | 572,000 | 868,000 | 1,160,000 |
| Interest expense | 14,000 | 25,000 | 35,000 | 45,000 |
| Net interest income | 270,000 | 547,000 | 833,000 | 1,115,000 |
| Noninterest income | 21,000 | 89,000 | 112,000 | 130,000 |
| Noninterest expense | 261,000 | 522,000 | 793,000 | 1,110,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 5,000 |
| Pretax income | 28,000 | 112,000 | 150,000 | 130,000 |
| Income tax | 2,000 | 2,000 | 8,000 | -31,000 |
| Net income | 26,000 | 110,000 | 142,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,040,000 | 6,124,000 | 6,156,000 | 6,160,000 |
| Total capital | 6,279,000 | 6,363,000 | 6,395,000 | 6,398,000 |
| Risk-weighted assets | 18,931,000 | 18,962,000 | 18,960,000 | 18,847,000 |