Call reports 2004
TIOGA STATE BANK, N.A. — 2004
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 273,208,000 | 270,825,000 | 268,653,000 | 272,535,000 |
| Total loans | 121,076,000 | 123,853,000 | 131,822,000 | 139,870,000 |
| Allowance for loan losses | 1,571,000 | 1,696,000 | 1,784,000 | 1,810,000 |
| Securities available for sale | 130,861,000 | 130,115,000 | 120,763,000 | 115,040,000 |
| Securities held to maturity | 3,567,000 | 4,090,000 | 3,807,000 | 4,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,124,000 | 224,005,000 | 218,809,000 | 225,013,000 |
| Interest-bearing deposits | 206,326,000 | 196,115,000 | 189,971,000 | 195,238,000 |
| Noninterest-bearing deposits | 26,798,000 | 27,890,000 | 28,838,000 | 29,776,000 |
| Equity capital | 22,806,000 | 20,912,000 | 22,913,000 | 22,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,103,000 | 6,384,000 | 9,773,000 | 13,177,000 |
| Interest expense | 1,091,000 | 2,240,000 | 3,385,000 | 4,597,000 |
| Net interest income | 2,012,000 | 4,144,000 | 6,388,000 | 8,580,000 |
| Noninterest income | 475,000 | 998,000 | 1,604,000 | 2,149,000 |
| Noninterest expense | 1,864,000 | 3,887,000 | 5,959,000 | 8,297,000 |
| Provision for loan losses | 98,000 | 195,000 | 293,000 | 440,000 |
| Pretax income | 517,000 | 1,181,000 | 1,943,000 | 2,200,000 |
| Income tax | 114,000 | 226,000 | 339,000 | 411,000 |
| Net income | 403,000 | 955,000 | 1,604,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,517,000 | 22,045,000 | 22,442,000 | 22,577,000 |
| Total capital | 23,282,000 | 23,822,000 | 24,255,000 | 24,479,000 |
| Risk-weighted assets | 141,138,000 | 141,986,000 | 144,814,000 | 152,037,000 |