Call reports 2023
SCHUYLER SAVINGS BANK — 2023
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 138,191,000 | 134,633,000 | 136,620,000 | 136,473,000 |
| Total loans | 109,553,000 | 110,060,000 | 116,290,000 | 116,669,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,020,000 | 1,020,000 |
| Securities available for sale | 5,276,000 | 5,217,000 | 4,129,000 | 4,239,000 |
| Securities held to maturity | 5,080,000 | 4,901,000 | 4,783,000 | 4,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,911,000 | 104,212,000 | 106,093,000 | 105,868,000 |
| Interest-bearing deposits | 99,742,000 | 99,295,000 | 103,197,000 | 103,192,000 |
| Noninterest-bearing deposits | 3,169,000 | 4,917,000 | 2,896,000 | 2,676,000 |
| Equity capital | 20,922,000 | 20,959,000 | 20,972,000 | 21,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,247,000 | 2,605,000 | 3,991,000 | 5,404,000 |
| Interest expense | 409,000 | 929,000 | 1,523,000 | 2,245,000 |
| Net interest income | 838,000 | 1,676,000 | 2,468,000 | 3,159,000 |
| Noninterest income | 36,000 | 75,000 | 115,000 | 158,000 |
| Noninterest expense | 804,000 | 1,601,000 | 2,350,000 | 3,071,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 70,000 | 150,000 | 213,000 | 226,000 |
| Income tax | 9,000 | 21,000 | 24,000 | 17,000 |
| Net income | 61,000 | 129,000 | 189,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,620,000 | 20,688,000 | 20,747,000 | 20,768,000 |