Call reports 2015
STATE BANK OF CAZENOVIA — 2015
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 34,714,000 | 34,039,000 | 35,766,000 | 39,926,000 |
| Total loans | 18,590,000 | 18,646,000 | 18,794,000 | 18,620,000 |
| Allowance for loan losses | 405,000 | 407,000 | 407,000 | 410,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,335,000 | 8,450,000 | 8,624,000 | 8,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,378,000 | 27,625,000 | 29,275,000 | 33,609,000 |
| Interest-bearing deposits | 21,636,000 | 20,993,000 | 21,676,000 | 24,163,000 |
| Noninterest-bearing deposits | 6,742,000 | 6,632,000 | 7,599,000 | 9,446,000 |
| Equity capital | 6,194,000 | 6,241,000 | 6,282,000 | 6,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 283,000 | 568,000 | 858,000 | 1,148,000 |
| Interest expense | 9,000 | 17,000 | 25,000 | 32,000 |
| Net interest income | 274,000 | 551,000 | 833,000 | 1,116,000 |
| Noninterest income | 21,000 | 39,000 | 56,000 | 72,000 |
| Noninterest expense | 258,000 | 504,000 | 759,000 | 1,081,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 37,000 | 86,000 | 130,000 | 104,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 12,000 |
| Net income | 34,000 | 81,000 | 122,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,194,000 | 6,241,000 | 6,282,000 | 6,170,000 |
| Total capital | 6,434,000 | 6,467,000 | 6,510,000 | 6,395,000 |
| Risk-weighted assets | 19,027,000 | 17,915,000 | 18,044,000 | 17,790,000 |