Call reports 2007
SCHUYLER STATE BANK — 2007
What SCHUYLER STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,401,000 | 58,589,000 | 58,032,000 | 61,091,000 |
| Total loans | 22,488,000 | 26,644,000 | 26,619,000 | 27,164,000 |
| Allowance for loan losses | 206,000 | 206,000 | 206,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,572,000 | 27,735,000 | 26,764,000 | 26,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,450,000 | 53,575,000 | 53,012,000 | 56,077,000 |
| Interest-bearing deposits | 49,806,000 | 49,681,000 | 49,271,000 | 50,217,000 |
| Noninterest-bearing deposits | 3,644,000 | 3,894,000 | 3,741,000 | 5,860,000 |
| Equity capital | 4,696,000 | 4,725,000 | 4,723,000 | 4,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,541,000 | 2,364,000 | 3,187,000 |
| Interest expense | 458,000 | 965,000 | 1,488,000 | 2,017,000 |
| Net interest income | 269,000 | 576,000 | 876,000 | 1,170,000 |
| Noninterest income | 35,000 | 77,000 | 119,000 | 162,000 |
| Noninterest expense | 298,000 | 596,000 | 908,000 | 1,244,000 |
| Provision for loan losses | -1,000 | 21,000 | 53,000 | 68,000 |
| Pretax income | 7,000 | 36,000 | 34,000 | 20,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 7,000 | 36,000 | 34,000 | 20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,696,000 | 4,725,000 | 4,723,000 | 4,709,000 |
| Total capital | 4,902,000 | 4,931,000 | 4,929,000 | 4,930,000 |
| Risk-weighted assets | 29,632,000 | 33,358,000 | 32,791,000 | 33,651,000 |