Call reports 2020
SCHUYLER SAVINGS BANK — 2020
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 119,355,000 | 120,854,000 | 126,012,000 | 122,576,000 |
| Total loans | 83,969,000 | 88,020,000 | 93,779,000 | 97,526,000 |
| Allowance for loan losses | 862,000 | 862,000 | 922,000 | 970,000 |
| Securities available for sale | 4,786,000 | 5,227,000 | 5,096,000 | 4,635,000 |
| Securities held to maturity | 7,267,000 | 4,745,000 | 4,702,000 | 4,676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,513,000 | 93,856,000 | 101,963,000 | 98,400,000 |
| Interest-bearing deposits | 90,982,000 | 92,257,000 | 98,995,000 | 96,376,000 |
| Noninterest-bearing deposits | 1,531,000 | 1,599,000 | 2,968,000 | 2,024,000 |
| Equity capital | 19,463,000 | 19,572,000 | 19,636,000 | 19,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 1,986,000 | 2,982,000 | 4,000,000 |
| Interest expense | 310,000 | 577,000 | 766,000 | 906,000 |
| Net interest income | 750,000 | 1,409,000 | 2,216,000 | 3,094,000 |
| Noninterest income | 40,000 | 129,000 | 171,000 | 211,000 |
| Noninterest expense | 702,000 | 1,426,000 | 2,155,000 | 2,913,000 |
| Provision for loan losses | 16,000 | 16,000 | 76,000 | 124,000 |
| Pretax income | 72,000 | 96,000 | 156,000 | 268,000 |
| Income tax | 8,000 | -11,000 | -9,000 | 11,000 |
| Net income | 64,000 | 107,000 | 165,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,356,000 | 19,399,000 | 19,458,000 | 19,550,000 |
| Total capital | 20,118,000 | — | — | — |
| Risk-weighted assets | 60,884,000 | — | — | — |
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