Call reports 2003
SCHUYLER SAVINGS BANK — 2003
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 118,080,000 | 118,477,000 | 118,371,000 | 117,662,000 |
| Total loans | 51,924,000 | 50,972,000 | 54,028,000 | 57,747,000 |
| Allowance for loan losses | 533,000 | 533,000 | 533,000 | 533,000 |
| Securities available for sale | 5,251,000 | 4,738,000 | 4,185,000 | 4,873,000 |
| Securities held to maturity | 37,622,000 | 38,237,000 | 41,594,000 | 42,814,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,111,000 | 103,623,000 | 103,526,000 | 102,426,000 |
| Interest-bearing deposits | 102,029,000 | 102,398,000 | 101,801,000 | 100,934,000 |
| Noninterest-bearing deposits | 1,082,000 | 1,225,000 | 1,725,000 | 1,492,000 |
| Equity capital | 13,050,000 | 13,225,000 | 13,316,000 | 13,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 2,893,000 | 4,212,000 | 5,602,000 |
| Interest expense | 647,000 | 1,247,000 | 1,788,000 | 2,290,000 |
| Net interest income | 871,000 | 1,646,000 | 2,424,000 | 3,312,000 |
| Noninterest income | 235,000 | 371,000 | 421,000 | 722,000 |
| Noninterest expense | 668,000 | 1,301,000 | 1,917,000 | 2,565,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 438,000 | 716,000 | 928,000 | 1,469,000 |
| Income tax | 142,000 | 243,000 | 315,000 | 524,000 |
| Net income | 296,000 | 473,000 | 613,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,954,000 | 13,131,000 | 13,271,000 | 13,603,000 |
| Total capital | 13,481,000 | 13,654,000 | 13,819,000 | 14,159,000 |
| Risk-weighted assets | 40,892,000 | 40,779,000 | 56,599,000 | 42,807,000 |