Call reports 2003
SCHUYLER STATE BANK — 2003
What SCHUYLER STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 43,561,000 | 41,993,000 | 43,362,000 | 44,435,000 |
| Total loans | 19,260,000 | 17,970,000 | 17,957,000 | 19,309,000 |
| Allowance for loan losses | 210,000 | 225,000 | 225,000 | 225,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,108,000 | 19,590,000 | 22,391,000 | 23,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,371,000 | 37,233,000 | 38,589,000 | 38,352,000 |
| Interest-bearing deposits | 35,522,000 | 34,369,000 | 35,899,000 | 35,248,000 |
| Noninterest-bearing deposits | 2,849,000 | 2,864,000 | 2,690,000 | 3,104,000 |
| Equity capital | 4,769,000 | 4,621,000 | 4,645,000 | 4,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,167,000 | 1,712,000 | 2,252,000 |
| Interest expense | 263,000 | 490,000 | 692,000 | 880,000 |
| Net interest income | 341,000 | 677,000 | 1,020,000 | 1,372,000 |
| Noninterest income | 22,000 | 44,000 | 63,000 | 83,000 |
| Noninterest expense | 166,000 | 337,000 | 511,000 | 706,000 |
| Provision for loan losses | 15,000 | 30,000 | 34,000 | 37,000 |
| Pretax income | 182,000 | 354,000 | 538,000 | 712,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 182,000 | 354,000 | 538,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,769,000 | 4,621,000 | 4,645,000 | 4,819,000 |
| Total capital | 4,979,000 | 4,846,000 | 4,870,000 | 5,044,000 |
| Risk-weighted assets | 22,871,000 | 21,421,000 | 21,807,000 | 22,847,000 |