Call reports 2021
SCHUYLER SAVINGS BANK — 2021
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 125,154,000 | 124,511,000 | 126,218,000 | 126,704,000 |
| Total loans | 95,048,000 | 91,830,000 | 89,638,000 | 94,250,000 |
| Allowance for loan losses | 975,000 | 985,000 | 985,000 | 1,000,000 |
| Securities available for sale | 4,254,000 | 3,987,000 | 3,571,000 | 3,738,000 |
| Securities held to maturity | 4,248,000 | 4,205,000 | 4,173,000 | 3,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,928,000 | 100,082,000 | 101,686,000 | 101,993,000 |
| Interest-bearing deposits | 98,698,000 | 97,852,000 | 99,069,000 | 99,566,000 |
| Noninterest-bearing deposits | 2,230,000 | 2,230,000 | 2,617,000 | 2,427,000 |
| Equity capital | 19,906,000 | 19,982,000 | 20,051,000 | 20,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 969,000 | 1,899,000 | 2,786,000 | 3,783,000 |
| Interest expense | 107,000 | 202,000 | 286,000 | 362,000 |
| Net interest income | 862,000 | 1,697,000 | 2,500,000 | 3,421,000 |
| Noninterest income | 36,000 | 74,000 | 117,000 | 157,000 |
| Noninterest expense | 725,000 | 1,488,000 | 2,258,000 | 3,007,000 |
| Provision for loan losses | 14,000 | 24,000 | 24,000 | 39,000 |
| Pretax income | 159,000 | 259,000 | 335,000 | 532,000 |
| Income tax | 33,000 | 50,000 | 56,000 | 101,000 |
| Net income | 126,000 | 209,000 | 279,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,676,000 | 19,759,000 | 19,829,000 | 19,980,000 |
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