Call reports 2019
TIOGA STATE BANK, N.A. — 2019
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 482,196,000 | 485,679,000 | 481,885,000 | 487,977,000 |
| Total loans | 322,581,000 | 329,298,000 | 327,110,000 | 336,245,000 |
| Allowance for loan losses | 4,800,000 | 4,792,000 | 4,903,000 | 4,930,000 |
| Securities available for sale | 128,578,000 | 124,676,000 | 117,915,000 | 118,337,000 |
| Securities held to maturity | 2,900,000 | 2,725,000 | 2,810,000 | 2,890,000 |
| Trading assets | 2,877,000 | 2,816,000 | 2,646,000 | 2,343,000 |
| Total deposits | 414,788,000 | 402,653,000 | 401,612,000 | 389,158,000 |
| Interest-bearing deposits | 309,445,000 | 295,126,000 | 294,508,000 | 284,669,000 |
| Noninterest-bearing deposits | 105,343,000 | 107,527,000 | 107,104,000 | 104,489,000 |
| Equity capital | 54,540,000 | 56,802,000 | 58,784,000 | 60,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,273,000 | 10,650,000 | 15,989,000 | 21,334,000 |
| Interest expense | 741,000 | 1,472,000 | 2,186,000 | 2,889,000 |
| Net interest income | 4,532,000 | 9,178,000 | 13,803,000 | 18,445,000 |
| Noninterest income | 897,000 | 1,804,000 | 2,747,000 | 3,723,000 |
| Noninterest expense | 3,582,000 | 7,206,000 | 10,807,000 | 14,455,000 |
| Provision for loan losses | 150,000 | 300,000 | 440,000 | 520,000 |
| Pretax income | 1,704,000 | 3,525,000 | 5,425,000 | 7,382,000 |
| Income tax | 277,000 | 554,000 | 832,000 | 1,149,000 |
| Net income | 1,427,000 | 2,971,000 | 4,593,000 | 6,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,333,000 | 56,388,000 | 58,011,000 | 59,651,000 |
| Total capital | 59,235,000 | 60,326,000 | 61,923,000 | 63,645,000 |
| Risk-weighted assets | 311,185,000 | 314,116,000 | 311,915,000 | 318,557,000 |