Call reports 2010
SCHUYLER STATE BANK — 2010
What SCHUYLER STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 51,353,000 | 51,985,000 | 53,393,000 | 51,875,000 |
| Total loans | 34,191,000 | 34,525,000 | 35,163,000 | 35,626,000 |
| Allowance for loan losses | 356,000 | 361,000 | 361,000 | 341,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,000,000 | 6,002,000 | 2,721,000 | 4,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,293,000 | 46,056,000 | 48,360,000 | 46,733,000 |
| Interest-bearing deposits | 41,600,000 | 41,547,000 | 42,980,000 | 40,223,000 |
| Noninterest-bearing deposits | 4,693,000 | 4,509,000 | 5,380,000 | 6,510,000 |
| Equity capital | 4,910,000 | 4,873,000 | 4,890,000 | 5,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 630,000 | 1,256,000 | 1,883,000 | 2,488,000 |
| Interest expense | 192,000 | 370,000 | 547,000 | 705,000 |
| Net interest income | 438,000 | 886,000 | 1,336,000 | 1,783,000 |
| Noninterest income | 58,000 | 122,000 | 186,000 | 248,000 |
| Noninterest expense | 358,000 | 725,000 | 1,096,000 | 1,477,000 |
| Provision for loan losses | 16,000 | 28,000 | 44,000 | 44,000 |
| Pretax income | 122,000 | 255,000 | 382,000 | 510,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 122,000 | 255,000 | 382,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,910,000 | 4,873,000 | 4,890,000 | 5,018,000 |
| Total capital | 5,266,000 | 5,234,000 | 5,251,000 | 5,359,000 |
| Risk-weighted assets | 35,382,000 | 35,305,000 | 35,880,000 | 36,009,000 |