Call reports 2002
SCHUYLER SAVINGS BANK — 2002
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 117,434,000 | 117,045,000 | 116,533,000 | 116,456,000 |
| Total loans | 61,650,000 | 60,907,000 | 58,656,000 | 57,167,000 |
| Allowance for loan losses | 524,000 | 533,000 | 533,000 | 533,000 |
| Securities available for sale | 4,512,000 | 6,281,000 | 5,960,000 | 5,664,000 |
| Securities held to maturity | 39,194,000 | 34,330,000 | 31,525,000 | 36,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,782,000 | 102,985,000 | 102,246,000 | 101,704,000 |
| Interest-bearing deposits | 102,374,000 | 101,723,000 | 100,807,000 | 100,541,000 |
| Noninterest-bearing deposits | 1,408,000 | 1,262,000 | 1,439,000 | 1,163,000 |
| Equity capital | 12,121,000 | 12,299,000 | 12,404,000 | 12,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,757,000 | 3,554,000 | 5,217,000 | 6,813,000 |
| Interest expense | 903,000 | 1,733,000 | 2,512,000 | 3,219,000 |
| Net interest income | 854,000 | 1,821,000 | 2,705,000 | 3,594,000 |
| Noninterest income | 23,000 | 58,000 | 109,000 | 166,000 |
| Noninterest expense | 757,000 | 1,502,000 | 2,267,000 | 2,694,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 115,000 | 372,000 | 542,000 | 1,061,000 |
| Income tax | 17,000 | 110,000 | 160,000 | 341,000 |
| Net income | 98,000 | 262,000 | 382,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,036,000 | 12,200,000 | 12,320,000 | 12,658,000 |
| Total capital | 12,590,000 | 12,760,000 | 12,873,000 | 13,207,000 |
| Risk-weighted assets | 43,843,000 | 43,069,000 | 43,257,000 | 41,970,000 |