Call reports 2008
SCHUYLER SAVINGS BANK — 2008
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 119,825,000 | 120,006,000 | 119,459,000 | 116,341,000 |
| Total loans | 76,789,000 | 76,050,000 | 76,430,000 | 75,614,000 |
| Allowance for loan losses | 540,000 | 540,000 | 540,000 | 570,000 |
| Securities available for sale | 2,777,000 | 2,581,000 | 2,417,000 | 4,326,000 |
| Securities held to maturity | 31,548,000 | 33,708,000 | 35,140,000 | 30,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,430,000 | 98,530,000 | 97,921,000 | 98,434,000 |
| Interest-bearing deposits | 96,904,000 | 97,040,000 | 96,672,000 | 97,191,000 |
| Noninterest-bearing deposits | 1,526,000 | 1,490,000 | 1,249,000 | 1,243,000 |
| Equity capital | 16,019,000 | 16,104,000 | 16,254,000 | 16,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,151,000 | 4,725,000 | 6,304,000 |
| Interest expense | 919,000 | 1,784,000 | 2,525,000 | 3,240,000 |
| Net interest income | 657,000 | 1,367,000 | 2,200,000 | 3,064,000 |
| Noninterest income | 26,000 | 51,000 | 73,000 | 53,000 |
| Noninterest expense | 571,000 | 1,131,000 | 1,745,000 | 2,318,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 112,000 | 287,000 | 528,000 | 769,000 |
| Income tax | 37,000 | 101,000 | 190,000 | 279,000 |
| Net income | 75,000 | 186,000 | 338,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,005,000 | 16,117,000 | 16,269,000 | 16,421,000 |
| Total capital | 16,545,000 | 16,657,000 | 16,809,000 | 16,991,000 |
| Risk-weighted assets | 52,904,000 | 52,969,000 | 53,060,000 | 52,095,000 |