Call reports 2006
SCHUYLER SAVINGS BANK — 2006
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 118,179,000 | 120,007,000 | 120,512,000 | 122,145,000 |
| Total loans | 69,904,000 | 71,833,000 | 72,848,000 | 74,064,000 |
| Allowance for loan losses | 533,000 | 534,000 | 537,000 | 540,000 |
| Securities available for sale | 6,118,000 | 5,747,000 | 5,449,000 | 4,872,000 |
| Securities held to maturity | 38,536,000 | 37,637,000 | 37,969,000 | 37,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,442,000 | 99,472,000 | 99,910,000 | 101,416,000 |
| Interest-bearing deposits | 99,751,000 | 97,965,000 | 98,537,000 | 99,709,000 |
| Noninterest-bearing deposits | 1,691,000 | 1,507,000 | 1,373,000 | 1,707,000 |
| Equity capital | 15,294,000 | 15,489,000 | 15,628,000 | 15,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,467,000 | 2,937,000 | 4,454,000 | 6,012,000 |
| Interest expense | 698,000 | 1,457,000 | 2,304,000 | 3,248,000 |
| Net interest income | 769,000 | 1,480,000 | 2,150,000 | 2,764,000 |
| Noninterest income | 30,000 | 197,000 | 260,000 | 291,000 |
| Noninterest expense | 648,000 | 1,261,000 | 1,846,000 | 2,458,000 |
| Provision for loan losses | 0 | 1,000 | 4,000 | 7,000 |
| Pretax income | 151,000 | 415,000 | 560,000 | 664,000 |
| Income tax | 31,000 | 73,000 | 123,000 | 157,000 |
| Net income | 120,000 | 342,000 | 437,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,296,000 | 15,520,000 | 15,615,000 | 15,685,000 |
| Total capital | 15,856,000 | 16,075,000 | 16,186,000 | 16,225,000 |
| Risk-weighted assets | 47,939,000 | 49,582,000 | 49,943,000 | 51,151,000 |