Call reports 2013
SCHUYLER SAVINGS BANK — 2013
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 114,557,000 | 113,360,000 | 112,866,000 | 112,764,000 |
| Total loans | 62,487,000 | 62,383,000 | 62,848,000 | 63,489,000 |
| Allowance for loan losses | 680,000 | 659,000 | 672,000 | 686,000 |
| Securities available for sale | 5,479,000 | 5,182,000 | 4,912,000 | 4,809,000 |
| Securities held to maturity | 19,427,000 | 21,330,000 | 23,478,000 | 24,360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,107,000 | 93,976,000 | 93,494,000 | 93,235,000 |
| Interest-bearing deposits | 93,044,000 | 92,323,000 | 91,724,000 | 91,500,000 |
| Noninterest-bearing deposits | 2,063,000 | 1,653,000 | 1,770,000 | 1,735,000 |
| Equity capital | 17,838,000 | 17,772,000 | 17,748,000 | 17,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,777,000 | 2,685,000 | 3,597,000 |
| Interest expense | 182,000 | 354,000 | 514,000 | 667,000 |
| Net interest income | 720,000 | 1,423,000 | 2,171,000 | 2,930,000 |
| Noninterest income | 54,000 | 86,000 | 154,000 | 188,000 |
| Noninterest expense | 722,000 | 1,344,000 | 2,076,000 | 2,761,000 |
| Provision for loan losses | 15,000 | 50,000 | 65,000 | 80,000 |
| Pretax income | 37,000 | 115,000 | 184,000 | 277,000 |
| Income tax | -5,000 | 4,000 | 4,000 | 13,000 |
| Net income | 42,000 | 111,000 | 180,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,089,000 | 17,719,000 | 17,058,000 | 17,152,000 |
| Total capital | 17,769,000 | 18,377,000 | 17,638,000 | 17,743,000 |
| Risk-weighted assets | 72,111,000 | 52,669,000 | 46,271,000 | 47,177,000 |