Call reports 2015
TIOGA STATE BANK, N.A. — 2015
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 404,358,000 | 417,350,000 | 425,948,000 | 430,980,000 |
| Total loans | 266,181,000 | 265,925,000 | 268,064,000 | 280,014,000 |
| Allowance for loan losses | 4,143,000 | 4,242,000 | 4,311,000 | 4,367,000 |
| Securities available for sale | 111,331,000 | 123,321,000 | 123,428,000 | 118,513,000 |
| Securities held to maturity | 3,801,000 | 3,444,000 | 4,457,000 | 4,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,857,000 | 325,896,000 | 325,535,000 | 336,918,000 |
| Interest-bearing deposits | 252,554,000 | 247,342,000 | 247,470,000 | 256,888,000 |
| Noninterest-bearing deposits | 76,303,000 | 78,554,000 | 78,065,000 | 80,030,000 |
| Equity capital | 48,620,000 | 48,592,000 | 50,370,000 | 51,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,104,000 | 8,321,000 | 12,551,000 | 16,935,000 |
| Interest expense | 455,000 | 897,000 | 1,293,000 | 1,688,000 |
| Net interest income | 3,649,000 | 7,424,000 | 11,258,000 | 15,247,000 |
| Noninterest income | 758,000 | 1,594,000 | 2,533,000 | 3,397,000 |
| Noninterest expense | 3,057,000 | 6,167,000 | 9,228,000 | 12,564,000 |
| Provision for loan losses | 135,000 | 265,000 | 385,000 | 505,000 |
| Pretax income | 1,230,000 | 2,601,000 | 4,287,000 | 5,796,000 |
| Income tax | 451,000 | 850,000 | 1,198,000 | 1,346,000 |
| Net income | 779,000 | 1,751,000 | 3,089,000 | 4,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,115,000 | 49,087,000 | 50,425,000 | 51,786,000 |
| Total capital | 51,500,000 | 52,461,000 | 53,973,000 | 55,476,000 |
| Risk-weighted assets | 268,234,000 | 267,860,000 | 281,864,000 | 293,082,000 |