Call reports 2017
SCHUYLER SAVINGS BANK — 2017
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 120,807,000 | 121,350,000 | 120,091,000 | 116,682,000 |
| Total loans | 74,599,000 | 75,930,000 | 76,076,000 | 75,838,000 |
| Allowance for loan losses | 815,000 | 835,000 | 850,000 | 801,000 |
| Securities available for sale | 4,850,000 | 4,377,000 | 4,617,000 | 4,231,000 |
| Securities held to maturity | 19,895,000 | 19,817,000 | 19,737,000 | 19,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,839,000 | 97,245,000 | 95,779,000 | 92,734,000 |
| Interest-bearing deposits | 95,201,000 | 95,808,000 | 94,274,000 | 90,086,000 |
| Noninterest-bearing deposits | 1,638,000 | 1,437,000 | 1,505,000 | 2,648,000 |
| Equity capital | 19,033,000 | 19,153,000 | 19,250,000 | 18,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,939,000 | 2,921,000 | 3,883,000 |
| Interest expense | 170,000 | 343,000 | 517,000 | 696,000 |
| Net interest income | 777,000 | 1,596,000 | 2,404,000 | 3,187,000 |
| Noninterest income | 53,000 | 95,000 | 140,000 | 183,000 |
| Noninterest expense | 737,000 | 1,467,000 | 2,197,000 | 2,926,000 |
| Provision for loan losses | 15,000 | 35,000 | 50,000 | 65,000 |
| Pretax income | 78,000 | 197,000 | 305,000 | 387,000 |
| Income tax | 9,000 | 34,000 | 38,000 | 385,000 |
| Net income | 69,000 | 163,000 | 267,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,767,000 | 18,861,000 | 19,234,000 | 18,700,000 |
| Total capital | 19,420,000 | 19,536,000 | 19,906,000 | 19,355,000 |
| Risk-weighted assets | 52,096,000 | 53,818,000 | 53,553,000 | 52,314,000 |