Call reports 2010
TIOGA STATE BANK, N.A. — 2010
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 381,469,000 | 375,628,000 | 383,828,000 | 376,984,000 |
| Total loans | 215,894,000 | 218,909,000 | 225,925,000 | 232,915,000 |
| Allowance for loan losses | 2,737,000 | 2,971,000 | 2,963,000 | 2,992,000 |
| Securities available for sale | 135,231,000 | 130,418,000 | 127,819,000 | 119,771,000 |
| Securities held to maturity | 6,582,000 | 6,077,000 | 6,103,000 | 5,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,680,000 | 313,096,000 | 319,891,000 | 305,609,000 |
| Interest-bearing deposits | 276,731,000 | 266,535,000 | 272,542,000 | 262,207,000 |
| Noninterest-bearing deposits | 42,949,000 | 46,562,000 | 47,349,000 | 43,402,000 |
| Equity capital | 32,550,000 | 33,447,000 | 34,885,000 | 34,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,544,000 | 9,044,000 | 13,594,000 | 18,125,000 |
| Interest expense | 1,351,000 | 2,666,000 | 3,975,000 | 5,131,000 |
| Net interest income | 3,193,000 | 6,378,000 | 9,619,000 | 12,994,000 |
| Noninterest income | 739,000 | 1,476,000 | 2,220,000 | 3,044,000 |
| Noninterest expense | 3,036,000 | 5,754,000 | 8,386,000 | 10,966,000 |
| Provision for loan losses | 108,000 | 216,000 | 324,000 | 360,000 |
| Pretax income | 899,000 | 2,007,000 | 3,336,000 | 4,907,000 |
| Income tax | 35,000 | 285,000 | 637,000 | 1,328,000 |
| Net income | 864,000 | 1,722,000 | 2,699,000 | 3,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,595,000 | 32,354,000 | 33,461,000 | 34,342,000 |
| Total capital | 34,307,000 | 35,104,000 | 36,360,000 | 37,272,000 |
| Risk-weighted assets | 215,927,000 | 218,853,000 | 230,673,000 | 233,918,000 |