Call reports 2012
SCHUYLER SAVINGS BANK — 2012
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 117,341,000 | 117,590,000 | 115,302,000 | 114,160,000 |
| Total loans | 61,624,000 | 61,191,000 | 61,500,000 | 63,796,000 |
| Allowance for loan losses | 777,000 | 762,000 | 754,000 | 752,000 |
| Securities available for sale | 11,346,000 | 11,198,000 | 10,145,000 | 5,988,000 |
| Securities held to maturity | 12,044,000 | 13,368,000 | 20,657,000 | 20,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,324,000 | 98,420,000 | 95,960,000 | 94,755,000 |
| Interest-bearing deposits | 96,801,000 | 96,248,000 | 94,603,000 | 93,194,000 |
| Noninterest-bearing deposits | 1,523,000 | 2,172,000 | 1,357,000 | 1,561,000 |
| Equity capital | 17,595,000 | 17,707,000 | 17,782,000 | 17,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,922,000 | 2,854,000 | 3,776,000 |
| Interest expense | 229,000 | 450,000 | 659,000 | 858,000 |
| Net interest income | 759,000 | 1,472,000 | 2,195,000 | 2,918,000 |
| Noninterest income | 52,000 | 99,000 | 145,000 | 199,000 |
| Noninterest expense | 721,000 | 1,437,000 | 2,156,000 | 2,860,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 134,000 | 184,000 | 257,000 |
| Income tax | 27,000 | 35,000 | 26,000 | 35,000 |
| Net income | 63,000 | 99,000 | 158,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,283,000 | 17,319,000 | 17,377,000 | 17,441,000 |
| Total capital | 17,853,000 | 17,898,000 | 17,959,000 | 18,043,000 |
| Risk-weighted assets | 45,409,000 | 46,125,000 | 46,423,000 | 48,321,000 |