Call reports 2008
SCHUYLER STATE BANK — 2008
What SCHUYLER STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,169,000 | 53,208,000 | 52,985,000 | 51,054,000 |
| Total loans | 27,632,000 | 28,506,000 | 30,096,000 | 30,878,000 |
| Allowance for loan losses | 236,000 | 258,000 | 271,000 | 282,000 |
| Securities available for sale | 158,000 | 161,000 | 27,000 | 54,000 |
| Securities held to maturity | 12,850,000 | 10,700,000 | 7,199,000 | 4,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,158,000 | 47,732,000 | 48,210,000 | 46,190,000 |
| Interest-bearing deposits | 46,022,000 | 43,542,000 | 42,895,000 | 42,145,000 |
| Noninterest-bearing deposits | 4,136,000 | 4,190,000 | 5,315,000 | 4,045,000 |
| Equity capital | 4,731,000 | 4,715,000 | 4,595,000 | 4,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,464,000 | 2,130,000 | 2,779,000 |
| Interest expense | 464,000 | 810,000 | 1,113,000 | 1,389,000 |
| Net interest income | 326,000 | 654,000 | 1,017,000 | 1,390,000 |
| Noninterest income | 47,000 | 116,000 | 194,000 | 263,000 |
| Noninterest expense | 310,000 | 624,000 | 943,000 | 1,392,000 |
| Provision for loan losses | 18,000 | 40,000 | 59,000 | 78,000 |
| Pretax income | 45,000 | 106,000 | 209,000 | 183,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 45,000 | 106,000 | 209,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,734,000 | 4,715,000 | 4,595,000 | 4,702,000 |
| Total capital | 4,970,000 | 4,973,000 | 4,866,000 | 4,984,000 |
| Risk-weighted assets | 32,569,000 | 33,073,000 | 34,079,000 | 34,117,000 |