Call reports 2007
SCHUYLER SAVINGS BANK — 2007
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,943,000 | 119,204,000 | 119,233,000 | 117,969,000 |
| Total loans | 74,059,000 | 75,251,000 | 76,921,000 | 78,048,000 |
| Allowance for loan losses | 540,000 | 540,000 | 540,000 | 540,000 |
| Securities available for sale | 4,367,000 | 3,898,000 | 3,435,000 | 2,998,000 |
| Securities held to maturity | 36,263,000 | 35,489,000 | 34,919,000 | 31,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,061,000 | 98,210,000 | 97,010,000 | 96,746,000 |
| Interest-bearing deposits | 97,549,000 | 96,573,000 | 95,677,000 | 95,422,000 |
| Noninterest-bearing deposits | 1,512,000 | 1,637,000 | 1,333,000 | 1,324,000 |
| Equity capital | 15,774,000 | 15,819,000 | 15,899,000 | 15,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,120,000 | 4,698,000 | 6,267,000 |
| Interest expense | 933,000 | 1,870,000 | 2,822,000 | 3,749,000 |
| Net interest income | 631,000 | 1,250,000 | 1,876,000 | 2,518,000 |
| Noninterest income | 120,000 | 157,000 | 228,000 | 255,000 |
| Noninterest expense | 614,000 | 1,210,000 | 1,816,000 | 2,430,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 137,000 | 197,000 | 288,000 | 343,000 |
| Income tax | 44,000 | 59,000 | 83,000 | 98,000 |
| Net income | 93,000 | 138,000 | 205,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,779,000 | 15,823,000 | 15,891,000 | 15,931,000 |
| Total capital | 16,319,000 | 16,363,000 | 16,431,000 | 16,471,000 |
| Risk-weighted assets | 50,885,000 | 51,432,000 | 52,240,000 | 53,102,000 |