Call reports 2022
SCHUYLER SAVINGS BANK — 2022
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 126,728,000 | 126,754,000 | 128,407,000 | 128,944,000 |
| Total loans | 93,129,000 | 102,793,000 | 103,842,000 | 104,066,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 2,590,000 | 5,397,000 | 5,238,000 | 5,229,000 |
| Securities held to maturity | 5,641,000 | 5,618,000 | 5,121,000 | 5,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,085,000 | 101,937,000 | 103,443,000 | 103,704,000 |
| Interest-bearing deposits | 99,286,000 | 99,410,000 | 101,152,000 | 101,099,000 |
| Noninterest-bearing deposits | 2,799,000 | 2,527,000 | 2,291,000 | 2,605,000 |
| Equity capital | 20,313,000 | 20,397,000 | 20,502,000 | 20,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,912,000 | 3,023,000 | 4,173,000 |
| Interest expense | 73,000 | 156,000 | 292,000 | 544,000 |
| Net interest income | 833,000 | 1,756,000 | 2,731,000 | 3,629,000 |
| Noninterest income | 47,000 | 87,000 | 124,000 | 167,000 |
| Noninterest expense | 777,000 | 1,546,000 | 2,322,000 | 3,057,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 103,000 | 297,000 | 533,000 | 739,000 |
| Income tax | 18,000 | 62,000 | 113,000 | 161,000 |
| Net income | 85,000 | 235,000 | 420,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,065,000 | 20,215,000 | 20,400,000 | 20,559,000 |