Call reports 2013
TOMPKINS STATE BANK — 2013
What TOMPKINS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 198,773,000 | 195,859,000 | 196,514,000 | 194,791,000 |
| Total loans | 101,799,000 | 104,875,000 | 108,935,000 | 109,450,000 |
| Allowance for loan losses | 1,078,000 | 967,000 | 936,000 | 919,000 |
| Securities available for sale | 74,699,000 | 76,475,000 | 71,667,000 | 68,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,622,000 | 161,281,000 | 159,219,000 | 165,312,000 |
| Interest-bearing deposits | 135,351,000 | 133,063,000 | 134,222,000 | 138,428,000 |
| Noninterest-bearing deposits | 29,271,000 | 28,218,000 | 24,997,000 | 26,884,000 |
| Equity capital | 21,014,000 | 18,934,000 | 18,241,000 | 18,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,717,000 | 3,341,000 | 5,155,000 | 6,902,000 |
| Interest expense | 253,000 | 498,000 | 741,000 | 978,000 |
| Net interest income | 1,464,000 | 2,843,000 | 4,414,000 | 5,924,000 |
| Noninterest income | 235,000 | 513,000 | 742,000 | 1,019,000 |
| Noninterest expense | 1,358,000 | 2,868,000 | 4,278,000 | 5,908,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 228,000 | 428,000 | 790,000 | 928,000 |
| Income tax | 3,000 | 6,000 | 12,000 | 11,000 |
| Net income | 225,000 | 422,000 | 778,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,792,000 | 16,832,000 | 17,042,000 | 17,094,000 |
| Total capital | 17,870,000 | 17,799,000 | 17,978,000 | 18,013,000 |
| Risk-weighted assets | 112,655,000 | 115,212,000 | 119,601,000 | 119,296,000 |