Call reports 2011
TIOGA STATE BANK, N.A. — 2011
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 388,325,000 | 397,344,000 | 390,926,000 | 385,339,000 |
| Total loans | 234,141,000 | 239,499,000 | 240,417,000 | 243,320,000 |
| Allowance for loan losses | 3,111,000 | 3,369,000 | 3,511,000 | 3,631,000 |
| Securities available for sale | 121,893,000 | 125,674,000 | 121,852,000 | 114,478,000 |
| Securities held to maturity | 6,349,000 | 5,859,000 | 5,888,000 | 6,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,003,000 | 308,352,000 | 313,008,000 | 303,839,000 |
| Interest-bearing deposits | 274,181,000 | 253,497,000 | 253,210,000 | 250,178,000 |
| Noninterest-bearing deposits | 49,822,000 | 54,855,000 | 59,798,000 | 53,661,000 |
| Equity capital | 35,293,000 | 36,927,000 | 38,289,000 | 38,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,454,000 | 9,010,000 | 13,527,000 | 18,007,000 |
| Interest expense | 1,110,000 | 2,184,000 | 3,188,000 | 4,091,000 |
| Net interest income | 3,344,000 | 6,826,000 | 10,339,000 | 13,916,000 |
| Noninterest income | 711,000 | 1,467,000 | 2,294,000 | 3,082,000 |
| Noninterest expense | 2,744,000 | 5,507,000 | 8,434,000 | 11,349,000 |
| Provision for loan losses | 109,000 | 218,000 | 254,000 | 290,000 |
| Pretax income | 1,234,000 | 2,606,000 | 4,016,000 | 5,430,000 |
| Income tax | 398,000 | 807,000 | 1,217,000 | 1,658,000 |
| Net income | 836,000 | 1,799,000 | 2,799,000 | 3,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,176,000 | 35,960,000 | 36,860,000 | 37,833,000 |
| Total capital | 38,138,000 | 39,004,000 | 39,920,000 | 40,893,000 |
| Risk-weighted assets | 236,888,000 | 243,309,000 | 244,548,000 | 244,608,000 |