Call reports 2009
SCHUYLER SAVINGS BANK — 2009
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 117,833,000 | 119,423,000 | 119,168,000 | 119,673,000 |
| Total loans | 73,989,000 | 71,220,000 | 71,773,000 | 70,025,000 |
| Allowance for loan losses | 585,000 | 600,000 | 665,000 | 683,000 |
| Securities available for sale | 4,138,000 | 4,476,000 | 4,085,000 | 3,676,000 |
| Securities held to maturity | 29,206,000 | 33,394,000 | 36,118,000 | 34,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,952,000 | 101,380,000 | 101,113,000 | 101,576,000 |
| Interest-bearing deposits | 98,665,000 | 100,238,000 | 100,059,000 | 100,339,000 |
| Noninterest-bearing deposits | 1,287,000 | 1,142,000 | 1,054,000 | 1,237,000 |
| Equity capital | 16,576,000 | 16,589,000 | 16,731,000 | 16,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 2,879,000 | 4,291,000 | 5,707,000 |
| Interest expense | 684,000 | 1,329,000 | 1,895,000 | 2,386,000 |
| Net interest income | 809,000 | 1,550,000 | 2,396,000 | 3,321,000 |
| Noninterest income | 18,000 | 54,000 | 85,000 | 106,000 |
| Noninterest expense | 634,000 | 1,315,000 | 1,922,000 | 2,586,000 |
| Provision for loan losses | 15,000 | 30,000 | 95,000 | 200,000 |
| Pretax income | 178,000 | 259,000 | 464,000 | 641,000 |
| Income tax | 65,000 | 92,000 | 174,000 | 240,000 |
| Net income | 113,000 | 167,000 | 290,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,533,000 | 16,587,000 | 16,709,000 | 16,812,000 |
| Total capital | 17,118,000 | 17,187,000 | 17,336,000 | 17,439,000 |
| Risk-weighted assets | 51,550,000 | 55,717,000 | 50,098,000 | 50,079,000 |