Call reports 2007
TIOGA STATE BANK, N.A. — 2007
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 282,362,000 | 277,058,000 | 286,243,000 | 300,961,000 |
| Total loans | 168,389,000 | 171,004,000 | 180,079,000 | 189,934,000 |
| Allowance for loan losses | 2,142,000 | 2,137,000 | 2,241,000 | 2,306,000 |
| Securities available for sale | 90,130,000 | 84,627,000 | 83,467,000 | 88,639,000 |
| Securities held to maturity | 4,414,000 | 4,279,000 | 4,475,000 | 4,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,195,000 | 226,109,000 | 240,319,000 | 238,702,000 |
| Interest-bearing deposits | 206,481,000 | 183,403,000 | 199,001,000 | 197,274,000 |
| Noninterest-bearing deposits | 38,714,000 | 42,706,000 | 41,318,000 | 41,428,000 |
| Equity capital | 24,581,000 | 24,010,000 | 24,802,000 | 25,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,022,000 | 8,202,000 | 12,483,000 | 16,866,000 |
| Interest expense | 1,789,000 | 3,742,000 | 5,702,000 | 7,759,000 |
| Net interest income | 2,233,000 | 4,460,000 | 6,781,000 | 9,107,000 |
| Noninterest income | 608,000 | 1,256,000 | 1,953,000 | 2,714,000 |
| Noninterest expense | 2,236,000 | 4,625,000 | 6,918,000 | 9,310,000 |
| Provision for loan losses | 14,000 | 56,000 | 133,000 | 286,000 |
| Pretax income | 591,000 | 961,000 | 1,592,000 | 2,138,000 |
| Income tax | 160,000 | 302,000 | 523,000 | 643,000 |
| Net income | 431,000 | 659,000 | 1,069,000 | 1,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,613,000 | 25,642,000 | 25,542,000 | 25,967,000 |
| Total capital | 27,578,000 | 27,313,000 | 27,601,000 | 28,150,000 |
| Risk-weighted assets | 155,646,000 | 155,274,000 | 163,535,000 | 173,571,000 |