Call reports 2012
TIOGA STATE BANK, N.A. — 2012
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 397,876,000 | 399,305,000 | 386,819,000 | 388,885,000 |
| Total loans | 243,491,000 | 249,526,000 | 252,252,000 | 254,979,000 |
| Allowance for loan losses | 3,724,000 | 3,737,000 | 3,772,000 | 3,714,000 |
| Securities available for sale | 110,478,000 | 113,742,000 | 107,971,000 | 103,531,000 |
| Securities held to maturity | 5,692,000 | 5,217,000 | 5,071,000 | 5,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,410,000 | 317,365,000 | 314,600,000 | 307,313,000 |
| Interest-bearing deposits | 267,046,000 | 252,044,000 | 252,510,000 | 243,658,000 |
| Noninterest-bearing deposits | 62,364,000 | 65,321,000 | 62,090,000 | 63,655,000 |
| Equity capital | 39,774,000 | 40,551,000 | 41,916,000 | 42,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,392,000 | 8,713,000 | 13,018,000 | 17,251,000 |
| Interest expense | 836,000 | 1,599,000 | 2,339,000 | 3,047,000 |
| Net interest income | 3,556,000 | 7,114,000 | 10,679,000 | 14,204,000 |
| Noninterest income | 762,000 | 1,586,000 | 2,445,000 | 3,541,000 |
| Noninterest expense | 2,840,000 | 5,792,000 | 8,728,000 | 11,606,000 |
| Provision for loan losses | 90,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 1,550,000 | 3,234,000 | 4,732,000 | 6,475,000 |
| Income tax | 510,000 | 1,050,000 | 1,575,000 | 2,100,000 |
| Net income | 1,040,000 | 2,184,000 | 3,157,000 | 4,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,771,000 | 39,416,000 | 40,389,000 | 41,257,000 |
| Total capital | 41,832,000 | 42,585,000 | 43,584,000 | 44,532,000 |
| Risk-weighted assets | 244,589,000 | 253,307,000 | 257,338,000 | 261,867,000 |