Call reports 2002
SCHUYLER STATE BANK — 2002
What SCHUYLER STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,614,000 | 46,130,000 | 46,105,000 | 46,025,000 |
| Total loans | 19,099,000 | 21,324,000 | 20,026,000 | 20,824,000 |
| Allowance for loan losses | 195,000 | 195,000 | 195,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,412,000 | 23,502,000 | 23,490,000 | 23,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,696,000 | 40,579,000 | 41,287,000 | 41,044,000 |
| Interest-bearing deposits | 38,040,000 | 38,081,000 | 38,142,000 | 37,574,000 |
| Noninterest-bearing deposits | 2,656,000 | 2,498,000 | 3,145,000 | 3,470,000 |
| Equity capital | 4,678,000 | 4,566,000 | 4,615,000 | 4,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,400,000 | 2,088,000 | 2,745,000 |
| Interest expense | 409,000 | 796,000 | 1,163,000 | 1,481,000 |
| Net interest income | 301,000 | 604,000 | 925,000 | 1,264,000 |
| Noninterest income | 22,000 | 44,000 | 71,000 | 92,000 |
| Noninterest expense | 149,000 | 303,000 | 460,000 | 626,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 345,000 | 536,000 | 730,000 |
| Income tax | 0 | 4,000 | 6,000 | 8,000 |
| Net income | 174,000 | 341,000 | 530,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,678,000 | 4,566,000 | 4,615,000 | 4,807,000 |
| Total capital | 4,873,000 | 4,761,000 | 4,810,000 | 5,002,000 |
| Risk-weighted assets | 23,378,000 | 25,392,000 | 24,135,000 | 24,734,000 |