Call reports 2018
SCHUYLER SAVINGS BANK — 2018
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 114,613,000 | 113,933,000 | 114,835,000 | 120,163,000 |
| Total loans | 74,957,000 | 77,880,000 | 76,127,000 | 80,058,000 |
| Allowance for loan losses | 835,000 | 802,000 | 841,000 | 836,000 |
| Securities available for sale | 4,103,000 | 4,069,000 | 3,985,000 | 4,012,000 |
| Securities held to maturity | 19,649,000 | 19,567,000 | 19,527,000 | 19,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,557,000 | 89,854,000 | 90,618,000 | 95,792,000 |
| Interest-bearing deposits | 88,970,000 | 88,286,000 | 88,729,000 | 94,099,000 |
| Noninterest-bearing deposits | 1,587,000 | 1,568,000 | 1,889,000 | 1,693,000 |
| Equity capital | 18,854,000 | 18,906,000 | 18,966,000 | 19,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 963,000 | 1,936,000 | 2,948,000 | 3,948,000 |
| Interest expense | 182,000 | 375,000 | 592,000 | 846,000 |
| Net interest income | 781,000 | 1,561,000 | 2,356,000 | 3,102,000 |
| Noninterest income | 85,000 | 126,000 | 167,000 | 210,000 |
| Noninterest expense | 746,000 | 1,501,000 | 2,239,000 | 2,957,000 |
| Provision for loan losses | 34,000 | 34,000 | 34,000 | 34,000 |
| Pretax income | 86,000 | 152,000 | 250,000 | 321,000 |
| Income tax | 15,000 | 22,000 | 42,000 | 8,000 |
| Net income | 71,000 | 130,000 | 208,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,716,000 | 18,775,000 | 18,854,000 | 18,958,000 |
| Total capital | 19,364,000 | 19,442,000 | 19,508,000 | 19,638,000 |
| Risk-weighted assets | 51,689,000 | 53,230,000 | 52,137,000 | 54,244,000 |