Call reports 2012
SCHUYLER STATE BANK — 2012
What SCHUYLER STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 51,753,000 | 51,381,000 | 54,244,000 | 54,073,000 |
| Total loans | 32,007,000 | 32,348,000 | 33,094,000 | 32,188,000 |
| Allowance for loan losses | 344,000 | 347,000 | 349,000 | 310,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,359,000 | 8,661,000 | 7,505,000 | 7,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,678,000 | 45,646,000 | 49,249,000 | 49,091,000 |
| Interest-bearing deposits | 38,968,000 | 38,600,000 | 38,942,000 | 40,332,000 |
| Noninterest-bearing deposits | 7,710,000 | 7,046,000 | 10,307,000 | 8,759,000 |
| Equity capital | 4,966,000 | 4,879,000 | 4,883,000 | 4,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,011,000 | 1,506,000 | 1,993,000 |
| Interest expense | 90,000 | 172,000 | 253,000 | 329,000 |
| Net interest income | 429,000 | 839,000 | 1,253,000 | 1,664,000 |
| Noninterest income | 52,000 | 112,000 | 178,000 | 241,000 |
| Noninterest expense | 366,000 | 731,000 | 1,100,000 | 1,455,000 |
| Provision for loan losses | -2,000 | 0 | 7,000 | 110,000 |
| Pretax income | 117,000 | 220,000 | 324,000 | 340,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 117,000 | 220,000 | 324,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,966,000 | 4,879,000 | 4,883,000 | 4,899,000 |
| Total capital | 5,310,000 | 5,226,000 | 5,232,000 | 5,209,000 |
| Risk-weighted assets | 32,113,000 | 32,179,000 | 32,161,000 | 32,111,000 |