Call reports 2018
TIOGA STATE BANK, N.A. — 2018
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 474,567,000 | 479,317,000 | 482,131,000 | 483,741,000 |
| Total loans | 305,162,000 | 308,430,000 | 312,315,000 | 321,131,000 |
| Allowance for loan losses | 4,571,000 | 4,290,000 | 4,439,000 | 4,644,000 |
| Securities available for sale | 136,541,000 | 135,914,000 | 133,069,000 | 127,632,000 |
| Securities held to maturity | 3,932,000 | 3,443,000 | 3,425,000 | 3,010,000 |
| Trading assets | 2,842,000 | 2,813,000 | 2,765,000 | 2,612,000 |
| Total deposits | 405,499,000 | 385,374,000 | 370,601,000 | 385,351,000 |
| Interest-bearing deposits | 294,620,000 | 282,310,000 | 270,400,000 | 281,601,000 |
| Noninterest-bearing deposits | 110,879,000 | 103,064,000 | 100,202,000 | 103,750,000 |
| Equity capital | 47,888,000 | 49,119,000 | 49,922,000 | 51,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,850,000 | 9,898,000 | 15,015,000 | 20,313,000 |
| Interest expense | 440,000 | 906,000 | 1,600,000 | 2,352,000 |
| Net interest income | 4,410,000 | 8,992,000 | 13,415,000 | 17,961,000 |
| Noninterest income | 850,000 | 1,659,000 | 2,570,000 | 3,485,000 |
| Noninterest expense | 3,595,000 | 7,234,000 | 10,631,000 | 13,906,000 |
| Provision for loan losses | 106,000 | 361,000 | 616,000 | 871,000 |
| Pretax income | 1,572,000 | 3,148,000 | 4,780,000 | 6,576,000 |
| Income tax | 260,000 | 520,000 | 780,000 | 1,040,000 |
| Net income | 1,312,000 | 2,628,000 | 4,000,000 | 5,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,194,000 | 51,510,000 | 52,882,000 | 53,917,000 |
| Total capital | 54,023,000 | 55,339,000 | 56,739,000 | 57,821,000 |
| Risk-weighted assets | 305,496,000 | 305,797,000 | 307,913,000 | 311,539,000 |