Cortland Bancorp (CLDB) Income Statement

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Interest and fees on loans	4.71M
Taxable interest	470K
Nontaxable interest	451K
Dividends	23K
Other interest income	11K
Total interest income	5.66M
Deposits	535K
Other short-term borrowings	2K
Federal Home Loan Bank advances - short term	19K
Federal Home Loan Bank advances - long term	159K
Subordinated debt	28K
Total interest expense	743K
Net interest income	4.92M
PROVISION FOR LOAN LOSSES	50K
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	4.87M
Fees for customer services	538K
Investment securities gains - net
Total other-than -temporary impairment losses
Portion of (gains) losses recognized in other comprehensive income (before tax)
Net impairment losses recognized in earnings
Gain on sale of loans - net	341K
Other real estate losses - net
Earnings on bank owned life insurance	80K
Other non-interest income	68K
Total non-interest income
Salaries and employee benefits	2.63M
Net occupancy and equipment expense	532K
State and local taxes	122K
FDIC insurance expense	54K
Professional Fees	198K
Office supplies
Other operating expenses	810K
Total non-interest expenses	4.48M
INCOME BEFORE FEDERAL INCOME TAXES
Federal income tax expense	313K
NET INCOME	1.2M
BASIC EARNINGS PER COMMON SHARE (NOTE 6)
DILUTED EARNINGS PER COMMON SHARE (NOTE 6)
CASH DIVIDENDS DECLARED PER SHARE	0.07

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