Call reports 2010
SCHUYLER SAVINGS BANK — 2010
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 120,037,000 | 122,740,000 | 122,976,000 | 120,441,000 |
| Total loans | 67,758,000 | 65,804,000 | 64,861,000 | 63,653,000 |
| Allowance for loan losses | 813,000 | 909,000 | 975,000 | 995,000 |
| Securities available for sale | 4,390,000 | 8,243,000 | 9,017,000 | 8,820,000 |
| Securities held to maturity | 31,065,000 | 26,840,000 | 24,879,000 | 22,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,719,000 | 104,275,000 | 104,466,000 | 102,047,000 |
| Interest-bearing deposits | 100,483,000 | 102,751,000 | 103,051,000 | 100,894,000 |
| Noninterest-bearing deposits | 1,236,000 | 1,524,000 | 1,415,000 | 1,153,000 |
| Equity capital | 17,176,000 | 17,281,000 | 17,325,000 | 17,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,384,000 | 2,674,000 | 3,801,000 | 4,875,000 |
| Interest expense | 435,000 | 847,000 | 1,224,000 | 1,548,000 |
| Net interest income | 949,000 | 1,827,000 | 2,577,000 | 3,327,000 |
| Noninterest income | 24,000 | 46,000 | 73,000 | 102,000 |
| Noninterest expense | 671,000 | 1,314,000 | 1,974,000 | 2,666,000 |
| Provision for loan losses | 130,000 | 270,000 | 336,000 | 356,000 |
| Pretax income | 172,000 | 289,000 | 340,000 | 407,000 |
| Income tax | 62,000 | 104,000 | 117,000 | 137,000 |
| Net income | 110,000 | 185,000 | 223,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,931,000 | 17,006,000 | 17,043,000 | 17,092,000 |
| Total capital | 17,535,000 | 17,606,000 | 17,906,000 | 17,957,000 |
| Risk-weighted assets | 48,150,000 | 47,707,000 | 68,893,000 | 69,047,000 |