Call reports 2019
SCHUYLER SAVINGS BANK — 2019
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 120,484,000 | 119,195,000 | 120,341,000 | 120,170,000 |
| Total loans | 80,452,000 | 80,356,000 | 81,144,000 | 85,325,000 |
| Allowance for loan losses | 836,000 | 846,000 | 846,000 | 846,000 |
| Securities available for sale | 3,822,000 | 3,856,000 | 3,852,000 | 3,822,000 |
| Securities held to maturity | 19,281,000 | 19,237,000 | 18,064,000 | 15,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,936,000 | 94,502,000 | 93,498,000 | 93,403,000 |
| Interest-bearing deposits | 94,482,000 | 93,110,000 | 91,709,000 | 91,459,000 |
| Noninterest-bearing deposits | 1,454,000 | 1,392,000 | 1,789,000 | 1,944,000 |
| Equity capital | 19,251,000 | 19,371,000 | 19,497,000 | 19,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,095,000 | 3,186,000 | 4,235,000 |
| Interest expense | 281,000 | 592,000 | 914,000 | 1,235,000 |
| Net interest income | 750,000 | 1,503,000 | 2,272,000 | 3,000,000 |
| Noninterest income | 38,000 | 83,000 | 131,000 | 180,000 |
| Noninterest expense | 687,000 | 1,397,000 | 2,083,000 | 2,793,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 189,000 | 320,000 | 387,000 |
| Income tax | 16,000 | 28,000 | 47,000 | 53,000 |
| Net income | 85,000 | 161,000 | 273,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,043,000 | 19,119,000 | 19,231,000 | 19,293,000 |
| Total capital | 19,731,000 | 19,804,000 | 19,931,000 | 20,009,000 |
| Risk-weighted assets | 54,967,000 | 54,683,000 | 55,876,000 | 57,153,000 |