Call reports 2006
TOMPKINS STATE BANK — 2006
What TOMPKINS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,623,000 | 95,152,000 | 97,738,000 | 101,178,000 |
| Total loans | 54,743,000 | 57,310,000 | 60,731,000 | 61,178,000 |
| Allowance for loan losses | 561,000 | 544,000 | 549,000 | 508,000 |
| Securities available for sale | 26,694,000 | 27,695,000 | 28,479,000 | 30,405,000 |
| Securities held to maturity | 106,000 | 106,000 | 106,000 | 106,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,022,000 | 78,604,000 | 79,901,000 | 84,323,000 |
| Interest-bearing deposits | 68,185,000 | 69,559,000 | 71,582,000 | 74,618,000 |
| Noninterest-bearing deposits | 8,837,000 | 9,045,000 | 8,319,000 | 9,705,000 |
| Equity capital | 11,423,000 | 11,365,000 | 11,691,000 | 11,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,253,000 | 2,558,000 | 3,924,000 | 5,375,000 |
| Interest expense | 487,000 | 1,017,000 | 1,620,000 | 2,298,000 |
| Net interest income | 766,000 | 1,541,000 | 2,304,000 | 3,077,000 |
| Noninterest income | 82,000 | 170,000 | 286,000 | 391,000 |
| Noninterest expense | 835,000 | 1,454,000 | 2,118,000 | 3,165,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | -15,000 | 201,000 | 386,000 | 187,000 |
| Income tax | -24,000 | 16,000 | 55,000 | -8,000 |
| Net income | 9,000 | 185,000 | 331,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,203,000 | 11,368,000 | 11,524,000 | 11,391,000 |
| Total capital | 11,764,000 | 11,912,000 | 12,073,000 | 11,899,000 |
| Risk-weighted assets | 63,067,000 | 65,339,000 | 68,747,000 | 69,717,000 |