Call reports 2008
TOMPKINS STATE BANK — 2008
What TOMPKINS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,183,000 | 116,787,000 | 118,924,000 | 165,256,000 |
| Total loans | 67,443,000 | 69,337,000 | 73,019,000 | 99,415,000 |
| Allowance for loan losses | 540,000 | 579,000 | 598,000 | 723,000 |
| Securities available for sale | 41,098,000 | 39,055,000 | 37,705,000 | 48,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,944,000 | 88,662,000 | 93,058,000 | 126,869,000 |
| Interest-bearing deposits | 76,459,000 | 76,439,000 | 82,189,000 | 110,466,000 |
| Noninterest-bearing deposits | 12,485,000 | 12,223,000 | 10,869,000 | 16,403,000 |
| Equity capital | 11,938,000 | 11,522,000 | 12,050,000 | 18,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,676,000 | 3,372,000 | 5,051,000 | 6,981,000 |
| Interest expense | 705,000 | 1,317,000 | 1,824,000 | 2,356,000 |
| Net interest income | 971,000 | 2,055,000 | 3,227,000 | 4,625,000 |
| Noninterest income | 122,000 | 311,000 | 529,000 | 650,000 |
| Noninterest expense | 940,000 | 1,829,000 | 2,828,000 | 3,823,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 56,000 | 390,000 | 822,000 | 1,351,000 |
| Income tax | -4,000 | 88,000 | 210,000 | 346,000 |
| Net income | 60,000 | 302,000 | 612,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,316,000 | 11,577,000 | 11,906,000 | 13,411,000 |
| Total capital | 11,856,000 | 12,156,000 | 12,504,000 | 14,134,000 |
| Risk-weighted assets | 75,300,000 | 78,261,000 | 81,400,000 | 108,460,000 |