Call reports 2020
TIOGA STATE BANK, N.A. — 2020
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 485,275,000 | 525,738,000 | 531,113,000 | 520,268,000 |
| Total loans | 332,470,000 | 372,558,000 | 381,260,000 | 356,136,000 |
| Allowance for loan losses | 5,150,000 | 5,486,000 | 5,822,000 | 6,064,000 |
| Securities available for sale | 116,467,000 | 120,696,000 | 115,916,000 | 120,951,000 |
| Securities held to maturity | 2,780,000 | 3,104,000 | 2,844,000 | 2,952,000 |
| Trading assets | 1,386,000 | 2,651,000 | 2,213,000 | 2,640,000 |
| Total deposits | 411,671,000 | 435,116,000 | 441,228,000 | 445,913,000 |
| Interest-bearing deposits | 305,254,000 | 292,626,000 | 300,165,000 | 305,118,000 |
| Noninterest-bearing deposits | 106,417,000 | 142,490,000 | 141,063,000 | 140,795,000 |
| Equity capital | 59,443,000 | 64,868,000 | 66,868,000 | 68,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,206,000 | 10,385,000 | 15,785,000 | 21,595,000 |
| Interest expense | 603,000 | 1,019,000 | 1,330,000 | 1,594,000 |
| Net interest income | 4,603,000 | 9,366,000 | 14,455,000 | 20,001,000 |
| Noninterest income | 888,000 | 1,697,000 | 2,674,000 | 3,687,000 |
| Noninterest expense | 3,732,000 | 7,181,000 | 10,881,000 | 15,037,000 |
| Provision for loan losses | 241,000 | 601,000 | 961,000 | 1,201,000 |
| Pretax income | 1,532,000 | 3,267,000 | 5,273,000 | 7,436,000 |
| Income tax | 308,000 | 616,000 | 1,051,000 | 1,527,000 |
| Net income | 1,224,000 | 2,651,000 | 4,222,000 | 5,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,874,000 | 62,301,000 | 63,873,000 | 65,560,000 |
| Total capital | 64,842,000 | 66,285,000 | 67,965,000 | 69,609,000 |
| Risk-weighted assets | 316,182,000 | 317,196,000 | 325,557,000 | 321,810,000 |