Call reports 2024
SCHUYLER SAVINGS BANK — 2024
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 135,407,000 | 136,391,000 | 137,798,000 | 139,016,000 |
| Total loans | 117,269,000 | 117,668,000 | 114,070,000 | 114,928,000 |
| Allowance for loan losses | 1,020,000 | 1,020,000 | 1,020,000 | 1,020,000 |
| Securities available for sale | 4,217,000 | 6,332,000 | 7,358,000 | 5,712,000 |
| Securities held to maturity | 4,351,000 | 4,345,000 | 4,338,000 | 4,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,902,000 | 105,830,000 | 107,114,000 | 108,408,000 |
| Interest-bearing deposits | 102,131,000 | 103,259,000 | 104,559,000 | 106,137,000 |
| Noninterest-bearing deposits | 2,771,000 | 2,571,000 | 2,555,000 | 2,271,000 |
| Equity capital | 21,118,000 | 21,030,000 | 21,042,000 | 21,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,858,000 | 4,382,000 | 5,969,000 |
| Interest expense | 784,000 | 1,617,000 | 2,502,000 | 3,371,000 |
| Net interest income | 639,000 | 1,241,000 | 1,880,000 | 2,598,000 |
| Noninterest income | 40,000 | 80,000 | 119,000 | 159,000 |
| Noninterest expense | 714,000 | 1,482,000 | 2,238,000 | 3,017,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -35,000 | -161,000 | -239,000 | -260,000 |
| Income tax | -20,000 | -67,000 | -100,000 | -116,000 |
| Net income | -15,000 | -94,000 | -139,000 | -144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,752,000 | 20,674,000 | 20,629,000 | 20,624,000 |