Call reports 2013
SCHUYLER STATE BANK — 2013
What SCHUYLER STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 55,313,000 | 53,139,000 | 54,643,000 |
| Total loans | 33,117,000 | 31,926,000 | 30,048,000 |
| Allowance for loan losses | 282,000 | 305,000 | 309,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 7,588,000 | 7,965,000 | 10,069,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 50,299,000 | 48,107,000 | 49,719,000 |
| Interest-bearing deposits | 41,746,000 | 40,546,000 | 40,518,000 |
| Noninterest-bearing deposits | 8,553,000 | 7,561,000 | 9,201,000 |
| Equity capital | 4,915,000 | 4,942,000 | 4,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Interest income | 474,000 | 938,000 | 1,396,000 |
| Interest expense | 72,000 | 135,000 | 195,000 |
| Net interest income | 402,000 | 803,000 | 1,201,000 |
| Noninterest income | 54,000 | 111,000 | 184,000 |
| Noninterest expense | 363,000 | 719,000 | 1,085,000 |
| Provision for loan losses | 26,000 | 43,000 | 62,000 |
| Pretax income | 67,000 | 152,000 | 238,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 67,000 | 152,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 4,915,000 | 4,942,000 | 4,812,000 |
| Total capital | 5,197,000 | 5,247,000 | 5,121,000 |
| Risk-weighted assets | 33,597,000 | 32,213,000 | 30,985,000 |