Call reports 2016
TIOGA STATE BANK, N.A. — 2016
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 447,838,000 | 452,261,000 | 454,963,000 | 461,536,000 |
| Total loans | 280,255,000 | 282,621,000 | 283,953,000 | 286,869,000 |
| Allowance for loan losses | 4,429,000 | 4,467,000 | 4,524,000 | 4,303,000 |
| Securities available for sale | 125,053,000 | 136,043,000 | 136,468,000 | 139,531,000 |
| Securities held to maturity | 4,327,000 | 4,019,000 | 4,099,000 | 4,107,000 |
| Trading assets | 0 | 0 | 0 | 792,000 |
| Total deposits | 371,790,000 | 356,373,000 | 362,099,000 | 367,278,000 |
| Interest-bearing deposits | 290,203,000 | 267,827,000 | 265,829,000 | 271,738,000 |
| Noninterest-bearing deposits | 81,587,000 | 88,546,000 | 96,271,000 | 95,540,000 |
| Equity capital | 53,263,000 | 53,333,000 | 54,619,000 | 51,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,373,000 | 8,738,000 | 13,225,000 | 17,700,000 |
| Interest expense | 386,000 | 786,000 | 1,202,000 | 1,622,000 |
| Net interest income | 3,987,000 | 7,952,000 | 12,023,000 | 16,078,000 |
| Noninterest income | 790,000 | 1,521,000 | 2,384,000 | 3,141,000 |
| Noninterest expense | 3,252,000 | 6,550,000 | 9,905,000 | 13,161,000 |
| Provision for loan losses | 100,000 | 175,000 | 250,000 | 340,000 |
| Pretax income | 1,425,000 | 2,793,000 | 4,472,000 | 5,942,000 |
| Income tax | 372,000 | 744,000 | 1,088,000 | 1,418,000 |
| Net income | 1,053,000 | 2,049,000 | 3,384,000 | 4,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,839,000 | 52,335,000 | 53,670,000 | 53,073,000 |
| Total capital | 56,551,000 | 56,092,000 | 57,311,000 | 56,706,000 |
| Risk-weighted assets | 294,676,000 | 297,500,000 | 288,568,000 | 290,248,000 |