Call reports 2014
TOMPKINS STATE BANK — 2014
What TOMPKINS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 197,164,000 | 200,585,000 | 191,671,000 | 191,992,000 |
| Total loans | 107,076,000 | 113,402,000 | 115,950,000 | 119,311,000 |
| Allowance for loan losses | 949,000 | 988,000 | 1,037,000 | 1,045,000 |
| Securities available for sale | 74,875,000 | 72,511,000 | 61,559,000 | 58,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,875,000 | 163,374,000 | 157,506,000 | 157,156,000 |
| Interest-bearing deposits | 136,873,000 | 135,343,000 | 132,138,000 | 131,593,000 |
| Noninterest-bearing deposits | 29,002,000 | 28,031,000 | 25,368,000 | 25,563,000 |
| Equity capital | 18,794,000 | 19,661,000 | 20,001,000 | 20,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,446,000 | 5,226,000 | 6,913,000 |
| Interest expense | 227,000 | 460,000 | 689,000 | 899,000 |
| Net interest income | 1,539,000 | 2,986,000 | 4,537,000 | 6,014,000 |
| Noninterest income | 233,000 | 472,000 | 698,000 | 964,000 |
| Noninterest expense | 1,461,000 | 2,998,000 | 4,354,000 | 5,812,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 217,000 | 317,000 | 652,000 | 885,000 |
| Income tax | 3,000 | 5,000 | 10,000 | 12,000 |
| Net income | 214,000 | 312,000 | 642,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,785,000 | 16,705,000 | 16,858,000 | 16,983,000 |
| Total capital | 17,734,000 | 17,693,000 | 17,895,000 | 18,028,000 |
| Risk-weighted assets | 116,790,000 | 122,122,000 | 120,438,000 | 122,759,000 |