Call reports 2014
SCHUYLER SAVINGS BANK — 2014
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 111,818,000 | 109,940,000 | 110,150,000 | 110,130,000 |
| Total loans | 63,465,000 | 62,193,000 | 60,312,000 | 61,658,000 |
| Allowance for loan losses | 706,000 | 717,000 | 732,000 | 739,000 |
| Securities available for sale | 6,854,000 | 6,895,000 | 7,859,000 | 7,895,000 |
| Securities held to maturity | 23,246,000 | 21,279,000 | 21,350,000 | 20,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,045,000 | 90,005,000 | 90,051,000 | 90,051,000 |
| Interest-bearing deposits | 90,502,000 | 88,535,000 | 88,703,000 | 88,721,000 |
| Noninterest-bearing deposits | 1,543,000 | 1,470,000 | 1,348,000 | 1,330,000 |
| Equity capital | 18,004,000 | 18,147,000 | 18,261,000 | 18,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,805,000 | 2,678,000 | 3,556,000 |
| Interest expense | 145,000 | 279,000 | 413,000 | 547,000 |
| Net interest income | 772,000 | 1,526,000 | 2,265,000 | 3,009,000 |
| Noninterest income | 79,000 | 121,000 | 168,000 | 226,000 |
| Noninterest expense | 736,000 | 1,389,000 | 2,073,000 | 2,766,000 |
| Provision for loan losses | 30,000 | 65,000 | 80,000 | 95,000 |
| Pretax income | 85,000 | 193,000 | 279,000 | 373,000 |
| Income tax | 13,000 | 35,000 | 36,000 | 52,000 |
| Net income | 72,000 | 158,000 | 243,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,126,000 | 17,213,000 | 17,262,000 | 17,305,000 |
| Total capital | 17,709,000 | 17,794,000 | 17,822,000 | 17,871,000 |
| Risk-weighted assets | 46,498,000 | 46,363,000 | 44,593,000 | 45,079,000 |