Call reports 2016
SCHUYLER SAVINGS BANK — 2016
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 115,503,000 | 116,330,000 | 116,886,000 | 118,209,000 |
| Total loans | 68,995,000 | 72,361,000 | 70,793,000 | 72,925,000 |
| Allowance for loan losses | 859,000 | 869,000 | 869,000 | 800,000 |
| Securities available for sale | 2,783,000 | 2,759,000 | 2,717,000 | 3,872,000 |
| Securities held to maturity | 17,063,000 | 14,563,000 | 18,498,000 | 20,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,810,000 | 92,512,000 | 92,971,000 | 94,345,000 |
| Interest-bearing deposits | 89,762,000 | 91,102,000 | 91,737,000 | 93,005,000 |
| Noninterest-bearing deposits | 2,048,000 | 1,410,000 | 1,234,000 | 1,340,000 |
| Equity capital | 18,716,000 | 18,764,000 | 18,807,000 | 18,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,799,000 | 2,694,000 | 3,602,000 |
| Interest expense | 173,000 | 347,000 | 525,000 | 699,000 |
| Net interest income | 725,000 | 1,452,000 | 2,169,000 | 2,903,000 |
| Noninterest income | 46,000 | 89,000 | 135,000 | 181,000 |
| Noninterest expense | 707,000 | 1,432,000 | 2,162,000 | 2,877,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 64,000 | 99,000 | 132,000 | 197,000 |
| Income tax | 6,000 | 0 | -18,000 | -14,000 |
| Net income | 58,000 | 99,000 | 150,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,545,000 | 18,587,000 | 18,637,000 | 18,822,000 |
| Total capital | 19,157,000 | 19,211,000 | 19,251,000 | 19,459,000 |
| Risk-weighted assets | 48,680,000 | 49,678,000 | 48,833,000 | 50,805,000 |