Call reports 2013
TIOGA STATE BANK, N.A. — 2013
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 397,313,000 | 391,542,000 | 396,678,000 | 395,225,000 |
| Total loans | 252,758,000 | 255,934,000 | 255,669,000 | 260,202,000 |
| Allowance for loan losses | 3,880,000 | 3,954,000 | 4,064,000 | 3,919,000 |
| Securities available for sale | 97,360,000 | 109,996,000 | 111,568,000 | 106,968,000 |
| Securities held to maturity | 4,708,000 | 4,364,000 | 4,180,000 | 4,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,311,000 | 309,023,000 | 301,532,000 | 298,529,000 |
| Interest-bearing deposits | 210,035,000 | 195,176,000 | 235,399,000 | 234,405,000 |
| Noninterest-bearing deposits | 116,276,000 | 113,847,000 | 66,133,000 | 64,124,000 |
| Equity capital | 42,847,000 | 42,003,000 | 43,238,000 | 44,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,184,000 | 8,364,000 | 12,517,000 | 16,696,000 |
| Interest expense | 658,000 | 1,305,000 | 1,928,000 | 2,469,000 |
| Net interest income | 3,526,000 | 7,059,000 | 10,589,000 | 14,227,000 |
| Noninterest income | 773,000 | 1,568,000 | 2,507,000 | 3,432,000 |
| Noninterest expense | 2,857,000 | 5,785,000 | 8,530,000 | 11,259,000 |
| Provision for loan losses | 161,000 | 294,000 | 394,000 | 484,000 |
| Pretax income | 1,340,000 | 2,684,000 | 4,358,000 | 6,174,000 |
| Income tax | 446,000 | 1,021,000 | 1,546,000 | 1,770,000 |
| Net income | 894,000 | 1,663,000 | 2,812,000 | 4,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,151,000 | 42,920,000 | 44,069,000 | 45,161,000 |
| Total capital | 45,329,000 | 46,291,000 | 47,421,000 | 48,597,000 |
| Risk-weighted assets | 258,333,000 | 269,422,000 | 267,779,000 | 274,733,000 |