Call reports 2003
TIOGA STATE BANK, N.A. — 2003
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 239,669,000 | 237,544,000 | 240,102,000 | 246,541,000 |
| Total loans | 99,638,000 | 103,467,000 | 111,782,000 | 117,948,000 |
| Allowance for loan losses | 1,217,000 | 1,222,000 | 1,263,000 | 1,498,000 |
| Securities available for sale | 119,594,000 | 120,762,000 | 115,568,000 | 113,900,000 |
| Securities held to maturity | 3,760,000 | 3,710,000 | 3,167,000 | 3,615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,092,000 | 192,628,000 | 201,455,000 | 204,720,000 |
| Interest-bearing deposits | 181,083,000 | 173,333,000 | 176,613,000 | 178,696,000 |
| Noninterest-bearing deposits | 18,009,000 | 19,295,000 | 24,842,000 | 26,024,000 |
| Equity capital | 22,503,000 | 22,740,000 | 21,595,000 | 21,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,018,000 | 6,039,000 | 9,067,000 | 12,182,000 |
| Interest expense | 1,116,000 | 2,325,000 | 3,478,000 | 4,620,000 |
| Net interest income | 1,902,000 | 3,714,000 | 5,589,000 | 7,562,000 |
| Noninterest income | 401,000 | 832,000 | 1,315,000 | 1,804,000 |
| Noninterest expense | 1,612,000 | 3,436,000 | 5,152,000 | 7,110,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 480,000 |
| Pretax income | 634,000 | 942,000 | 1,587,000 | 1,686,000 |
| Income tax | 170,000 | 335,000 | 486,000 | 362,000 |
| Net income | 464,000 | 607,000 | 1,101,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,750,000 | 20,668,000 | 20,871,000 | 21,126,000 |
| Total capital | 22,189,000 | 22,169,000 | 22,422,000 | 22,810,000 |
| Risk-weighted assets | 117,586,000 | 120,852,000 | 128,826,000 | 134,666,000 |