Call reports 2005
TIOGA STATE BANK, N.A. — 2005
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 279,159,000 | 275,258,000 | 268,558,000 | 267,529,000 |
| Total loans | 140,311,000 | 144,699,000 | 146,193,000 | 150,290,000 |
| Allowance for loan losses | 1,803,000 | 2,005,000 | 2,176,000 | 2,100,000 |
| Securities available for sale | 120,444,000 | 112,914,000 | 100,722,000 | 97,377,000 |
| Securities held to maturity | 4,857,000 | 4,207,000 | 6,639,000 | 5,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,188,000 | 215,759,000 | 224,940,000 | 223,517,000 |
| Interest-bearing deposits | 210,284,000 | 182,664,000 | 191,152,000 | 188,019,000 |
| Noninterest-bearing deposits | 29,904,000 | 33,095,000 | 33,789,000 | 35,498,000 |
| Equity capital | 22,072,000 | 22,784,000 | 22,838,000 | 22,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,434,000 | 7,014,000 | 10,579,000 | 14,188,000 |
| Interest expense | 1,276,000 | 2,663,000 | 4,059,000 | 5,533,000 |
| Net interest income | 2,158,000 | 4,351,000 | 6,520,000 | 8,655,000 |
| Noninterest income | 784,000 | 1,413,000 | 1,995,000 | 2,596,000 |
| Noninterest expense | 2,232,000 | 4,515,000 | 6,727,000 | 8,976,000 |
| Provision for loan losses | 177,000 | 354,000 | 531,000 | 623,000 |
| Pretax income | 533,000 | 911,000 | 1,261,000 | 1,395,000 |
| Income tax | 112,000 | 211,000 | 280,000 | 158,000 |
| Net income | 421,000 | 700,000 | 981,000 | 1,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,013,000 | 23,205,000 | 23,463,000 | 23,962,000 |
| Total capital | 24,915,000 | 25,110,000 | 25,379,000 | 25,899,000 |
| Risk-weighted assets | 152,078,000 | 152,134,000 | 152,898,000 | 154,672,000 |