Call reports 2007
TOMPKINS STATE BANK — 2007
What TOMPKINS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,182,000 | 105,289,000 | 105,395,000 | 112,901,000 |
| Total loans | 63,887,000 | 65,480,000 | 66,823,000 | 64,546,000 |
| Allowance for loan losses | 445,000 | 502,000 | 450,000 | 498,000 |
| Securities available for sale | 28,624,000 | 30,218,000 | 30,145,000 | 39,066,000 |
| Securities held to maturity | 106,000 | 106,000 | 106,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,452,000 | 87,862,000 | 87,537,000 | 87,635,000 |
| Interest-bearing deposits | 76,831,000 | 77,912,000 | 77,988,000 | 76,616,000 |
| Noninterest-bearing deposits | 9,621,000 | 9,950,000 | 9,549,000 | 11,019,000 |
| Equity capital | 11,445,000 | 11,251,000 | 11,547,000 | 11,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,472,000 | 3,015,000 | 4,611,000 | 6,307,000 |
| Interest expense | 703,000 | 1,438,000 | 2,198,000 | 2,990,000 |
| Net interest income | 769,000 | 1,577,000 | 2,413,000 | 3,317,000 |
| Noninterest income | 85,000 | 206,000 | 334,000 | 477,000 |
| Noninterest expense | 836,000 | 1,647,000 | 2,523,000 | 3,348,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 220,000 |
| Pretax income | -76,000 | -22,000 | 3,000 | 165,000 |
| Income tax | -27,000 | -68,000 | -85,000 | -50,000 |
| Net income | -49,000 | 46,000 | 88,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,136,000 | 11,242,000 | 11,302,000 | 11,450,000 |
| Total capital | 11,581,000 | 11,744,000 | 11,752,000 | 11,948,000 |
| Risk-weighted assets | 71,415,000 | 72,346,000 | 73,412,000 | 73,115,000 |