Call reports 2025
TIOGA STATE BANK, N.A. — 2025
What TIOGA STATE BANK, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 578,949,000 | 574,780,000 | 589,216,000 | 608,515,000 |
| Total loans | 373,666,000 | 372,009,000 | 380,917,000 | 382,421,000 |
| Allowance for loan losses | 6,645,000 | 6,227,000 | 6,525,000 | 6,487,000 |
| Securities available for sale | 139,967,000 | 141,675,000 | 139,409,000 | 158,650,000 |
| Securities held to maturity | 2,914,000 | 2,703,000 | 1,533,000 | 1,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,634,000 | 503,273,000 | 513,248,000 | 523,810,000 |
| Interest-bearing deposits | 339,558,000 | 338,910,000 | 349,632,000 | 358,117,000 |
| Noninterest-bearing deposits | 169,076,000 | 164,363,000 | 163,616,000 | 165,693,000 |
| Equity capital | 61,200,000 | 61,371,000 | 64,579,000 | 63,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,845,000 | 14,110,000 | 21,492,000 | 29,119,000 |
| Interest expense | 1,446,000 | 2,816,000 | 4,268,000 | 5,853,000 |
| Net interest income | 5,399,000 | 11,294,000 | 17,224,000 | 23,266,000 |
| Noninterest income | 1,102,000 | 2,293,000 | 3,394,000 | 4,579,000 |
| Noninterest expense | 5,048,000 | 9,923,000 | 14,672,000 | 19,319,000 |
| Provision for loan losses | 198,000 | 977,000 | 1,276,000 | 1,240,000 |
| Pretax income | 1,247,000 | 2,639,000 | 4,676,000 | 7,262,000 |
| Income tax | 279,000 | 558,000 | 837,000 | 1,542,000 |
| Net income | 968,000 | 2,081,000 | 3,839,000 | 5,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,453,000 | 68,166,000 | 69,924,000 | 68,805,000 |
| Total capital | 72,835,000 | 72,517,000 | 74,330,000 | 73,228,000 |
| Risk-weighted assets | 348,075,000 | 345,931,000 | 350,200,000 | 351,556,000 |