Call reports 2001
SCHUYLER SAVINGS BANK — 2001
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 110,110,000 | 111,657,000 | 113,481,000 | 114,809,000 |
| Total loans | 60,783,000 | 62,022,000 | 62,644,000 | 60,752,000 |
| Allowance for loan losses | 514,000 | 524,000 | 519,000 | 519,000 |
| Securities available for sale | 5,828,000 | 5,436,000 | 3,151,000 | 2,809,000 |
| Securities held to maturity | 30,932,000 | 33,529,000 | 35,706,000 | 37,301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,747,000 | 98,311,000 | 100,087,000 | 101,340,000 |
| Interest-bearing deposits | 95,066,000 | 96,838,000 | 98,812,000 | 99,857,000 |
| Noninterest-bearing deposits | 1,681,000 | 1,473,000 | 1,275,000 | 1,483,000 |
| Equity capital | 11,941,000 | 11,932,000 | 11,951,000 | 12,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,649,000 | 5,491,000 | 7,265,000 |
| Interest expense | 1,209,000 | 2,408,000 | 3,550,000 | 4,594,000 |
| Net interest income | 621,000 | 1,241,000 | 1,941,000 | 2,671,000 |
| Noninterest income | 51,000 | 111,000 | 148,000 | 207,000 |
| Noninterest expense | 633,000 | 1,348,000 | 2,045,000 | 2,745,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 9,000 | 17,000 | 57,000 | 146,000 |
| Income tax | -6,000 | -3,000 | 7,000 | 32,000 |
| Net income | 15,000 | 20,000 | 50,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,839,000 | 11,844,000 | 11,874,000 | 11,938,000 |
| Total capital | 12,353,000 | 12,407,000 | 12,425,000 | 12,489,000 |
| Risk-weighted assets | 41,727,000 | 42,183,000 | 42,588,000 | 42,946,000 |