Call reports 2005
TOMPKINS STATE BANK — 2005
What TOMPKINS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,248,000 | 90,469,000 | 92,673,000 | 93,347,000 |
| Total loans | 53,128,000 | 54,750,000 | 56,819,000 | 55,917,000 |
| Allowance for loan losses | 699,000 | 501,000 | 523,000 | 529,000 |
| Securities available for sale | 32,803,000 | 29,414,000 | 26,992,000 | 27,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,794,000 | 73,755,000 | 75,807,000 | 76,540,000 |
| Interest-bearing deposits | 68,127,000 | 64,448,000 | 67,519,000 | 67,127,000 |
| Noninterest-bearing deposits | 8,667,000 | 9,307,000 | 8,288,000 | 9,413,000 |
| Equity capital | 11,246,000 | 11,537,000 | 11,706,000 | 11,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,425,000 | 3,653,000 | 4,909,000 |
| Interest expense | 349,000 | 704,000 | 1,084,000 | 1,508,000 |
| Net interest income | 853,000 | 1,721,000 | 2,569,000 | 3,401,000 |
| Noninterest income | 74,000 | 160,000 | 233,000 | 325,000 |
| Noninterest expense | 628,000 | 1,166,000 | 1,762,000 | 2,593,000 |
| Provision for loan losses | 22,000 | 120,000 | 143,000 | 165,000 |
| Pretax income | 314,000 | 640,000 | 924,000 | 995,000 |
| Income tax | 79,000 | 197,000 | 245,000 | 244,000 |
| Net income | 235,000 | 443,000 | 679,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,883,000 | 11,093,000 | 11,324,000 | 11,416,000 |
| Total capital | 11,582,000 | 11,594,000 | 11,847,000 | 11,945,000 |
| Risk-weighted assets | 59,173,000 | 59,954,000 | 62,886,000 | 63,346,000 |
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