Call reports 2004
TOMPKINS STATE BANK — 2004
What TOMPKINS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 96,353,000 | 92,360,000 | 92,860,000 | 95,149,000 |
| Total loans | 53,045,000 | 52,701,000 | 54,568,000 | 52,599,000 |
| Allowance for loan losses | 732,000 | 722,000 | 735,000 | 662,000 |
| Securities available for sale | 38,423,000 | 33,533,000 | 33,671,000 | 37,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,659,000 | 76,336,000 | 75,526,000 | 78,379,000 |
| Interest-bearing deposits | 71,844,000 | 69,013,000 | 67,205,000 | 70,000,000 |
| Noninterest-bearing deposits | 7,815,000 | 7,323,000 | 8,321,000 | 8,379,000 |
| Equity capital | 11,324,000 | 10,844,000 | 11,543,000 | 11,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,221,000 | 2,445,000 | 3,645,000 | 4,869,000 |
| Interest expense | 352,000 | 692,000 | 1,027,000 | 1,374,000 |
| Net interest income | 869,000 | 1,753,000 | 2,618,000 | 3,495,000 |
| Noninterest income | 81,000 | 165,000 | 253,000 | 339,000 |
| Noninterest expense | 551,000 | 1,080,000 | 1,610,000 | 2,342,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 397,000 | 830,000 | 1,226,000 | 1,434,000 |
| Income tax | 68,000 | 178,000 | 298,000 | 391,000 |
| Net income | 329,000 | 652,000 | 928,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,160,000 | 10,487,000 | 10,764,000 | 10,876,000 |
| Total capital | 10,892,000 | 11,209,000 | 11,499,000 | 11,538,000 |
| Risk-weighted assets | 59,000,000 | 58,210,000 | 59,752,000 | 59,356,000 |