Call reports 2009
SCHUYLER STATE BANK — 2009
What SCHUYLER STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,083,000 | 51,498,000 | 52,501,000 | 51,625,000 |
| Total loans | 31,620,000 | 33,605,000 | 33,066,000 | 34,372,000 |
| Allowance for loan losses | 296,000 | 311,000 | 326,000 | 341,000 |
| Securities available for sale | 54,000 | 0 | 0 | 0 |
| Securities held to maturity | 4,125,000 | 2,000,000 | 3,500,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,102,000 | 45,264,000 | 46,639,000 | 46,572,000 |
| Interest-bearing deposits | 44,654,000 | 41,065,000 | 41,972,000 | 41,573,000 |
| Noninterest-bearing deposits | 4,448,000 | 4,199,000 | 4,667,000 | 4,999,000 |
| Equity capital | 4,804,000 | 4,747,000 | 4,802,000 | 4,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,299,000 | 1,947,000 | 2,599,000 |
| Interest expense | 258,000 | 511,000 | 748,000 | 964,000 |
| Net interest income | 377,000 | 788,000 | 1,199,000 | 1,635,000 |
| Noninterest income | 67,000 | 141,000 | 212,000 | 283,000 |
| Noninterest expense | 323,000 | 662,000 | 1,005,000 | 1,382,000 |
| Provision for loan losses | 19,000 | 48,000 | 75,000 | 99,000 |
| Pretax income | 102,000 | 165,000 | 290,000 | 396,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 165,000 | 290,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,804,000 | 4,747,000 | 4,802,000 | 4,908,000 |
| Total capital | 5,100,000 | 5,058,000 | 5,128,000 | 5,249,000 |
| Risk-weighted assets | 34,660,000 | 35,247,000 | 34,222,000 | 35,226,000 |