Call reports 2005
SCHUYLER SAVINGS BANK — 2005
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 118,861,000 | 121,961,000 | 121,866,000 | 120,855,000 |
| Total loans | 64,828,000 | 68,471,000 | 69,589,000 | 70,410,000 |
| Allowance for loan losses | 533,000 | 533,000 | 533,000 | 533,000 |
| Securities available for sale | 4,876,000 | 5,268,000 | 5,848,000 | 6,466,000 |
| Securities held to maturity | 41,054,000 | 39,799,000 | 38,871,000 | 39,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,429,000 | 105,319,000 | 105,261,000 | 104,229,000 |
| Interest-bearing deposits | 101,136,000 | 103,427,000 | 103,659,000 | 102,034,000 |
| Noninterest-bearing deposits | 1,293,000 | 1,892,000 | 1,602,000 | 2,195,000 |
| Equity capital | 14,551,000 | 14,687,000 | 14,736,000 | 15,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 2,850,000 | 4,313,000 | 5,839,000 |
| Interest expense | 511,000 | 1,094,000 | 1,738,000 | 2,421,000 |
| Net interest income | 897,000 | 1,756,000 | 2,575,000 | 3,418,000 |
| Noninterest income | 29,000 | 83,000 | 110,000 | 1,077,000 |
| Noninterest expense | 787,000 | 1,500,000 | 2,244,000 | 3,255,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 339,000 | 441,000 | 1,240,000 |
| Income tax | 35,000 | 106,000 | 140,000 | 467,000 |
| Net income | 104,000 | 233,000 | 301,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,510,000 | 14,639,000 | 14,706,000 | 15,178,000 |
| Total capital | 15,073,000 | 15,204,000 | 15,260,000 | 15,744,000 |
| Risk-weighted assets | 45,802,000 | 47,621,000 | 47,675,000 | 48,572,000 |