Call reports 2004
SCHUYLER SAVINGS BANK — 2004
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,713,000 | 120,188,000 | 119,880,000 | 118,384,000 |
| Total loans | 58,662,000 | 61,851,000 | 66,006,000 | 65,829,000 |
| Allowance for loan losses | 533,000 | 533,000 | 533,000 | 533,000 |
| Securities available for sale | 4,468,000 | 4,914,000 | 4,538,000 | 4,207,000 |
| Securities held to maturity | 40,247,000 | 44,973,000 | 42,977,000 | 39,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,863,000 | 104,370,000 | 103,853,000 | 102,292,000 |
| Interest-bearing deposits | 103,122,000 | 103,054,000 | 102,340,000 | 100,861,000 |
| Noninterest-bearing deposits | 1,741,000 | 1,316,000 | 1,513,000 | 1,431,000 |
| Equity capital | 13,988,000 | 14,113,000 | 14,332,000 | 14,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,395,000 | 2,793,000 | 4,239,000 | 5,676,000 |
| Interest expense | 487,000 | 977,000 | 1,468,000 | 1,967,000 |
| Net interest income | 908,000 | 1,816,000 | 2,771,000 | 3,709,000 |
| Noninterest income | 281,000 | 320,000 | 344,000 | 378,000 |
| Noninterest expense | 662,000 | 1,378,000 | 2,066,000 | 2,827,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 527,000 | 758,000 | 1,049,000 | 1,260,000 |
| Income tax | 203,000 | 276,000 | 378,000 | 457,000 |
| Net income | 324,000 | 482,000 | 671,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,927,000 | 14,085,000 | 14,274,000 | 14,406,000 |
| Total capital | 14,484,000 | 14,648,000 | 14,839,000 | 14,983,000 |
| Risk-weighted assets | 44,237,000 | 44,535,000 | 45,820,000 | 45,817,000 |