Call reports 2004
SCHUYLER STATE BANK — 2004
What SCHUYLER STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 43,515,000 | 43,236,000 | 45,505,000 | 45,831,000 |
| Total loans | 18,531,000 | 18,113,000 | 17,898,000 | 17,475,000 |
| Allowance for loan losses | 225,000 | 225,000 | 145,000 | 175,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,601,000 | 22,581,000 | 24,875,000 | 25,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,531,000 | 38,422,000 | 40,661,000 | 40,850,000 |
| Interest-bearing deposits | 35,147,000 | 35,337,000 | 37,892,000 | 37,077,000 |
| Noninterest-bearing deposits | 3,384,000 | 3,085,000 | 2,769,000 | 3,773,000 |
| Equity capital | 4,864,000 | 4,704,000 | 4,727,000 | 4,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,036,000 | 1,549,000 | 2,080,000 |
| Interest expense | 181,000 | 356,000 | 537,000 | 726,000 |
| Net interest income | 353,000 | 680,000 | 1,012,000 | 1,354,000 |
| Noninterest income | 27,000 | 57,000 | 89,000 | 114,000 |
| Noninterest expense | 175,000 | 352,000 | 534,000 | 729,000 |
| Provision for loan losses | 0 | 0 | 39,000 | 71,000 |
| Pretax income | 205,000 | 385,000 | 528,000 | 668,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 385,000 | 528,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,864,000 | 4,704,000 | 4,727,000 | 4,867,000 |
| Total capital | 5,089,000 | 4,929,000 | 4,872,000 | 5,042,000 |
| Risk-weighted assets | 22,027,000 | 21,736,000 | 22,021,000 | 21,824,000 |