Call reports 2025
SCHUYLER SAVINGS BANK — 2025
What SCHUYLER SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 139,189,000 | 138,003,000 | 138,394,000 | 147,395,000 |
| Total loans | 115,013,000 | 113,264,000 | 110,896,000 | 126,023,000 |
| Allowance for loan losses | 1,020,000 | 1,020,000 | 1,020,000 | 1,040,000 |
| Securities available for sale | 5,964,000 | 4,697,000 | 4,617,000 | 4,453,000 |
| Securities held to maturity | 3,126,000 | 3,116,000 | 3,111,000 | 3,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,536,000 | 107,324,000 | 107,502,000 | 114,516,000 |
| Interest-bearing deposits | 106,300,000 | 104,750,000 | 105,528,000 | 111,957,000 |
| Noninterest-bearing deposits | 2,236,000 | 2,574,000 | 1,974,000 | 2,559,000 |
| Equity capital | 20,879,000 | 20,873,000 | 20,990,000 | 21,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 3,070,000 | 4,656,000 | 6,351,000 |
| Interest expense | 791,000 | 1,574,000 | 2,323,000 | 3,100,000 |
| Net interest income | 731,000 | 1,496,000 | 2,333,000 | 3,251,000 |
| Noninterest income | 41,000 | 84,000 | 130,000 | 185,000 |
| Noninterest expense | 763,000 | 1,536,000 | 2,319,000 | 3,116,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 9,000 | 44,000 | 144,000 | 300,000 |
| Income tax | -7,000 | -7,000 | 13,000 | 47,000 |
| Net income | 16,000 | 51,000 | 131,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,641,000 | 20,676,000 | 20,756,000 | 20,831,000 |