Call reports 2011
SCHUYLER SAVINGS BANK — 2011
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 120,188,000 | 117,922,000 | 117,443,000 | 116,815,000 |
| Total loans | 63,048,000 | 65,286,000 | 65,043,000 | 64,231,000 |
| Allowance for loan losses | 925,000 | 916,000 | 895,000 | 951,000 |
| Securities available for sale | 11,697,000 | 9,665,000 | 7,580,000 | 9,397,000 |
| Securities held to maturity | 23,215,000 | 22,556,000 | 19,778,000 | 19,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,654,000 | 99,328,000 | 98,591,000 | 97,913,000 |
| Interest-bearing deposits | 100,254,000 | 97,614,000 | 97,182,000 | 96,719,000 |
| Noninterest-bearing deposits | 1,400,000 | 1,714,000 | 1,409,000 | 1,194,000 |
| Equity capital | 17,368,000 | 17,455,000 | 17,550,000 | 17,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,160,000 | 3,229,000 | 4,277,000 |
| Interest expense | 288,000 | 561,000 | 824,000 | 1,076,000 |
| Net interest income | 794,000 | 1,599,000 | 2,405,000 | 3,201,000 |
| Noninterest income | 27,000 | 60,000 | 122,000 | 165,000 |
| Noninterest expense | 711,000 | 1,424,000 | 2,097,000 | 2,788,000 |
| Provision for loan losses | 25,000 | 65,000 | 125,000 | 155,000 |
| Pretax income | 85,000 | 170,000 | 305,000 | 423,000 |
| Income tax | 27,000 | 50,000 | 96,000 | 127,000 |
| Net income | 58,000 | 120,000 | 209,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,150,000 | 17,353,000 | 17,270,000 | 17,357,000 |
| Total capital | 17,729,000 | 17,963,000 | 17,865,000 | 17,945,000 |
| Risk-weighted assets | 45,970,000 | 48,515,000 | 47,272,000 | 46,669,000 |