Call reports 2008
TIOGA STATE BANK, N.A. — 2008
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 311,944,000 | 315,173,000 | 333,401,000 | 341,205,000 |
| Total loans | 192,719,000 | 195,564,000 | 208,488,000 | 208,710,000 |
| Allowance for loan losses | 2,446,000 | 2,514,000 | 2,555,000 | 2,482,000 |
| Securities available for sale | 96,758,000 | 96,099,000 | 88,133,000 | 101,180,000 |
| Securities held to maturity | 4,474,000 | 5,061,000 | 14,912,000 | 14,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,161,000 | 236,516,000 | 262,043,000 | 277,806,000 |
| Interest-bearing deposits | 217,301,000 | 193,012,000 | 221,528,000 | 237,239,000 |
| Noninterest-bearing deposits | 38,860,000 | 43,504,000 | 40,514,000 | 40,567,000 |
| Equity capital | 26,900,000 | 26,200,000 | 26,106,000 | 27,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,443,000 | 8,854,000 | 13,427,000 | 18,005,000 |
| Interest expense | 1,890,000 | 3,548,000 | 5,134,000 | 6,757,000 |
| Net interest income | 2,553,000 | 5,306,000 | 8,293,000 | 11,248,000 |
| Noninterest income | 652,000 | 1,337,000 | 2,080,000 | 2,721,000 |
| Noninterest expense | 2,368,000 | 4,793,000 | 7,284,000 | 9,735,000 |
| Provision for loan losses | 92,000 | 183,000 | 344,000 | 444,000 |
| Pretax income | 796,000 | 1,724,000 | 2,794,000 | 3,839,000 |
| Income tax | 170,000 | 444,000 | 800,000 | 1,074,000 |
| Net income | 626,000 | 1,280,000 | 1,994,000 | 2,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,094,000 | 26,863,000 | 27,577,000 | 27,948,000 |
| Total capital | 28,309,000 | 29,161,000 | 30,060,000 | 30,387,000 |
| Risk-weighted assets | 176,973,000 | 182,934,000 | 198,014,000 | 194,856,000 |