Call reports 2001
SCHUYLER STATE BANK — 2001
What SCHUYLER STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 45,782,000 | 45,007,000 | 46,075,000 | 46,494,000 |
| Total loans | 19,725,000 | 19,105,000 | 20,697,000 | 20,454,000 |
| Allowance for loan losses | 130,000 | 160,000 | 180,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,929,000 | 21,369,000 | 22,173,000 | 23,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,907,000 | 40,208,000 | 41,273,000 | 41,583,000 |
| Interest-bearing deposits | 38,714,000 | 37,657,000 | 38,925,000 | 38,496,000 |
| Noninterest-bearing deposits | 2,193,000 | 2,551,000 | 2,348,000 | 3,087,000 |
| Equity capital | 4,597,000 | 4,488,000 | 4,504,000 | 4,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 825,000 | 1,624,000 | 2,409,000 | 3,175,000 |
| Interest expense | 506,000 | 1,007,000 | 1,491,000 | 1,942,000 |
| Net interest income | 319,000 | 617,000 | 918,000 | 1,233,000 |
| Noninterest income | 18,000 | 39,000 | 58,000 | 81,000 |
| Noninterest expense | 146,000 | 300,000 | 452,000 | 617,000 |
| Provision for loan losses | 35,000 | 65,000 | 85,000 | 100,000 |
| Pretax income | 156,000 | 291,000 | 439,000 | 597,000 |
| Income tax | 0 | 4,000 | 6,000 | 8,000 |
| Net income | 156,000 | 287,000 | 433,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,597,000 | 4,488,000 | 4,504,000 | 4,660,000 |
| Total capital | 4,727,000 | 4,648,000 | 4,684,000 | 4,855,000 |
| Risk-weighted assets | 24,089,000 | 23,639,000 | 24,928,000 | 24,722,000 |