Call reports 2006
SCHUYLER STATE BANK — 2006
What SCHUYLER STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 46,071,000 | 45,166,000 | 49,332,000 | 55,265,000 |
| Total loans | 21,185,000 | 20,891,000 | 21,539,000 | 20,864,000 |
| Allowance for loan losses | 206,000 | 206,000 | 206,000 | 206,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,889,000 | 22,684,000 | 22,293,000 | 20,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,042,000 | 40,189,000 | 44,389,000 | 50,341,000 |
| Interest-bearing deposits | 37,024,000 | 36,908,000 | 41,184,000 | 46,938,000 |
| Noninterest-bearing deposits | 4,018,000 | 3,281,000 | 3,204,000 | 3,403,000 |
| Equity capital | 4,877,000 | 4,780,000 | 4,768,000 | 4,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,109,000 | 1,691,000 | 2,325,000 |
| Interest expense | 247,000 | 506,000 | 800,000 | 1,187,000 |
| Net interest income | 304,000 | 603,000 | 891,000 | 1,138,000 |
| Noninterest income | 23,000 | 49,000 | 80,000 | 110,000 |
| Noninterest expense | 189,000 | 421,000 | 652,000 | 963,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 138,000 | 231,000 | 319,000 | 240,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 231,000 | 319,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,877,000 | 4,780,000 | 4,768,000 | 4,689,000 |
| Total capital | 5,083,000 | 4,986,000 | 4,974,000 | 4,895,000 |
| Risk-weighted assets | 25,098,000 | 25,520,000 | 27,394,000 | 27,695,000 |