Call reports 2016
STATE BANK OF CAZENOVIA — 2016
What STATE BANK OF CAZENOVIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 37,201,000 | 36,166,000 | 36,081,000 | 37,461,000 |
| Total loans | 18,247,000 | 18,190,000 | 18,263,000 | 17,663,000 |
| Allowance for loan losses | 406,000 | 406,000 | 408,000 | 408,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,734,000 | 8,841,000 | 8,838,000 | 9,679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,857,000 | 29,742,000 | 29,595,000 | 31,039,000 |
| Interest-bearing deposits | 22,358,000 | 21,614,000 | 21,720,000 | 22,524,000 |
| Noninterest-bearing deposits | 8,499,000 | 8,128,000 | 7,875,000 | 8,515,000 |
| Equity capital | 6,246,000 | 6,294,000 | 6,324,000 | 6,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 286,000 | 569,000 | 847,000 | 1,126,000 |
| Interest expense | 7,000 | 14,000 | 21,000 | 27,000 |
| Net interest income | 279,000 | 555,000 | 826,000 | 1,099,000 |
| Noninterest income | 20,000 | 37,000 | 53,000 | 67,000 |
| Noninterest expense | 287,000 | 532,000 | 785,000 | 1,048,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,000 | 60,000 | 94,000 | 118,000 |
| Income tax | 2,000 | 2,000 | 6,000 | -15,000 |
| Net income | 10,000 | 58,000 | 88,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,180,000 | 6,228,000 | 6,258,000 | 6,307,000 |
| Total capital | 6,397,000 | 6,448,000 | 6,475,000 | 6,521,000 |
| Risk-weighted assets | 17,159,000 | 17,357,000 | 17,156,000 | 16,898,000 |