Call reports 2015
SCHUYLER SAVINGS BANK — 2015
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 111,489,000 | 111,316,000 | 114,456,000 | 114,379,000 |
| Total loans | 61,036,000 | 61,515,000 | 71,544,000 | 71,133,000 |
| Allowance for loan losses | 754,000 | 779,000 | 808,000 | 844,000 |
| Securities available for sale | 7,709,000 | 6,959,000 | 6,969,000 | 6,790,000 |
| Securities held to maturity | 19,165,000 | 21,110,000 | 19,543,000 | 18,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,188,000 | 90,933,000 | 90,907,000 | 90,842,000 |
| Interest-bearing deposits | 89,746,000 | 89,427,000 | 89,631,000 | 89,438,000 |
| Noninterest-bearing deposits | 1,442,000 | 1,506,000 | 1,276,000 | 1,404,000 |
| Equity capital | 18,414,000 | 18,449,000 | 18,566,000 | 18,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 857,000 | 1,720,000 | 2,641,000 | 3,565,000 |
| Interest expense | 137,000 | 279,000 | 439,000 | 606,000 |
| Net interest income | 720,000 | 1,441,000 | 2,202,000 | 2,959,000 |
| Noninterest income | 57,000 | 120,000 | 184,000 | 238,000 |
| Noninterest expense | 669,000 | 1,339,000 | 2,045,000 | 2,760,000 |
| Provision for loan losses | 15,000 | 40,000 | 69,000 | 105,000 |
| Pretax income | 93,000 | 182,000 | 272,000 | 332,000 |
| Income tax | 16,000 | 31,000 | 33,000 | 37,000 |
| Net income | 77,000 | 151,000 | 239,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,272,000 | 18,343,000 | 18,430,000 | 18,488,000 |
| Total capital | 18,850,000 | 18,917,000 | 19,058,000 | 19,118,000 |
| Risk-weighted assets | 46,124,000 | 45,737,000 | 50,051,000 | 50,166,000 |