Call reports 2023
TIOGA STATE BANK, N.A. — 2023
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 552,299,000 | 554,211,000 | 556,387,000 | 561,024,000 |
| Total loans | 355,933,000 | 358,637,000 | 362,843,000 | 370,731,000 |
| Allowance for loan losses | 5,951,000 | 6,022,000 | 6,125,000 | 6,442,000 |
| Securities available for sale | 157,850,000 | 153,053,000 | 147,347,000 | 148,395,000 |
| Securities held to maturity | 2,645,000 | 2,333,000 | 2,818,000 | 2,956,000 |
| Trading assets | 2,310,000 | 2,315,000 | 2,587,000 | 2,638,000 |
| Total deposits | 482,620,000 | 470,075,000 | 481,766,000 | 457,102,000 |
| Interest-bearing deposits | 314,487,000 | 303,737,000 | 318,837,000 | 305,127,000 |
| Noninterest-bearing deposits | 168,133,000 | 166,338,000 | 162,929,000 | 151,975,000 |
| Equity capital | 57,522,000 | 57,044,000 | 54,678,000 | 58,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,041,000 | 12,332,000 | 18,801,000 | 25,376,000 |
| Interest expense | 816,000 | 1,752,000 | 2,843,000 | 4,334,000 |
| Net interest income | 5,225,000 | 10,580,000 | 15,958,000 | 21,042,000 |
| Noninterest income | 908,000 | 1,864,000 | 2,798,000 | 3,715,000 |
| Noninterest expense | 4,118,000 | 8,362,000 | 12,644,000 | 17,046,000 |
| Provision for loan losses | 290,000 | 981,000 | 1,088,000 | 1,403,000 |
| Pretax income | 1,689,000 | 3,078,000 | 5,012,000 | 5,610,000 |
| Income tax | 362,000 | 725,000 | 987,000 | 1,173,000 |
| Net income | 1,327,000 | 2,353,000 | 4,025,000 | 4,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,563,000 | 67,591,000 | 66,962,000 | 67,374,000 |
| Total capital | 70,829,000 | 71,877,000 | 71,297,000 | 71,807,000 |
| Risk-weighted assets | 339,383,000 | 340,966,000 | 344,797,000 | 352,448,000 |