Call reports 2011
SCHUYLER STATE BANK — 2011
What SCHUYLER STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 51,830,000 | 50,048,000 | 49,335,000 | 51,576,000 |
| Total loans | 35,007,000 | 34,393,000 | 34,222,000 | 33,408,000 |
| Allowance for loan losses | 347,000 | 344,000 | 344,000 | 344,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,533,000 | 5,962,000 | 5,165,000 | 7,319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,751,000 | 44,461,000 | 43,610,000 | 45,129,000 |
| Interest-bearing deposits | 39,962,000 | 38,199,000 | 37,552,000 | 38,294,000 |
| Noninterest-bearing deposits | 6,789,000 | 6,262,000 | 6,058,000 | 6,835,000 |
| Equity capital | 4,954,000 | 4,895,000 | 4,890,000 | 5,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,147,000 | 1,710,000 | 2,254,000 |
| Interest expense | 128,000 | 245,000 | 354,000 | 454,000 |
| Net interest income | 448,000 | 902,000 | 1,356,000 | 1,800,000 |
| Noninterest income | 59,000 | 118,000 | 178,000 | 232,000 |
| Noninterest expense | 385,000 | 754,000 | 1,132,000 | 1,487,000 |
| Provision for loan losses | 6,000 | 9,000 | 10,000 | 14,000 |
| Pretax income | 116,000 | 257,000 | 392,000 | 531,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 116,000 | 257,000 | 392,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,954,000 | 4,895,000 | 4,890,000 | 5,029,000 |
| Total capital | 5,301,000 | 5,239,000 | 5,234,000 | 5,373,000 |
| Risk-weighted assets | 34,864,000 | 33,871,000 | 34,040,000 | 32,921,000 |