Call reports 2005
SCHUYLER STATE BANK — 2005
What SCHUYLER STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 45,473,000 | 46,103,000 | 46,966,000 | 45,837,000 |
| Total loans | 18,719,000 | 19,883,000 | 20,196,000 | 19,789,000 |
| Allowance for loan losses | 205,000 | 235,000 | 190,000 | 206,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,646,000 | 24,635,000 | 22,627,000 | 23,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,460,000 | 40,757,000 | 42,042,000 | 40,783,000 |
| Interest-bearing deposits | 36,939,000 | 37,315,000 | 38,919,000 | 37,123,000 |
| Noninterest-bearing deposits | 3,521,000 | 3,442,000 | 3,123,000 | 3,660,000 |
| Equity capital | 4,874,000 | 4,744,000 | 4,789,000 | 4,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,064,000 | 1,608,000 | 2,165,000 |
| Interest expense | 193,000 | 396,000 | 613,000 | 844,000 |
| Net interest income | 331,000 | 668,000 | 995,000 | 1,321,000 |
| Noninterest income | 23,000 | 46,000 | 70,000 | 93,000 |
| Noninterest expense | 186,000 | 376,000 | 567,000 | 774,000 |
| Provision for loan losses | 31,000 | 61,000 | 66,000 | 83,000 |
| Pretax income | 137,000 | 277,000 | 432,000 | 557,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 137,000 | 277,000 | 432,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,874,000 | 4,744,000 | 4,789,000 | 4,914,000 |
| Total capital | 5,079,000 | 4,979,000 | 4,979,000 | 5,120,000 |
| Risk-weighted assets | 22,821,000 | 24,609,000 | 25,168,000 | 23,890,000 |