Call reports 2017
TIOGA STATE BANK, N.A. — 2017
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 468,052,000 | 472,709,000 | 482,453,000 | 471,190,000 |
| Total loans | 286,360,000 | 287,250,000 | 290,146,000 | 295,924,000 |
| Allowance for loan losses | 4,425,000 | 4,397,000 | 4,531,000 | 4,499,000 |
| Securities available for sale | 142,680,000 | 150,124,000 | 148,956,000 | 139,763,000 |
| Securities held to maturity | 4,269,000 | 4,242,000 | 4,422,000 | 4,042,000 |
| Trading assets | 1,052,000 | 2,545,000 | 2,768,000 | 2,931,000 |
| Total deposits | 394,163,000 | 380,188,000 | 372,037,000 | 366,074,000 |
| Interest-bearing deposits | 296,435,000 | 276,452,000 | 272,071,000 | 264,606,000 |
| Noninterest-bearing deposits | 97,728,000 | 103,736,000 | 99,966,000 | 101,468,000 |
| Equity capital | 53,050,000 | 55,041,000 | 55,914,000 | 51,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,499,000 | 9,016,000 | 13,626,000 | 18,361,000 |
| Interest expense | 408,000 | 820,000 | 1,320,000 | 1,817,000 |
| Net interest income | 4,091,000 | 8,196,000 | 12,306,000 | 16,544,000 |
| Noninterest income | 788,000 | 1,546,000 | 2,400,000 | 3,256,000 |
| Noninterest expense | 3,355,000 | 6,689,000 | 10,068,000 | 13,403,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 490,000 |
| Pretax income | 1,408,000 | 2,817,000 | 4,323,000 | 5,934,000 |
| Income tax | 375,000 | 750,000 | 1,113,000 | 2,340,000 |
| Net income | 1,033,000 | 2,067,000 | 3,210,000 | 3,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,107,000 | 55,140,000 | 56,283,000 | 52,882,000 |
| Total capital | 57,762,000 | 58,807,000 | 59,997,000 | 56,643,000 |
| Risk-weighted assets | 291,570,000 | 292,234,000 | 295,844,000 | 299,846,000 |