Call reports 2015
TOMPKINS STATE BANK — 2015
What TOMPKINS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 187,444,000 | 188,152,000 | 187,557,000 | 193,670,000 |
| Total loans | 114,439,000 | 122,687,000 | 125,824,000 | 128,368,000 |
| Allowance for loan losses | 1,064,000 | 1,083,000 | 1,121,000 | 1,193,000 |
| Securities available for sale | 58,979,000 | 51,606,000 | 48,002,000 | 48,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,916,000 | 156,165,000 | 155,071,000 | 161,893,000 |
| Interest-bearing deposits | 129,015,000 | 128,875,000 | 128,190,000 | 130,366,000 |
| Noninterest-bearing deposits | 26,901,000 | 27,290,000 | 26,881,000 | 31,527,000 |
| Equity capital | 20,702,000 | 20,069,000 | 20,491,000 | 20,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,254,000 | 4,961,000 | 6,622,000 |
| Interest expense | 203,000 | 404,000 | 606,000 | 808,000 |
| Net interest income | 1,481,000 | 2,850,000 | 4,355,000 | 5,814,000 |
| Noninterest income | 256,000 | 185,000 | 416,000 | 601,000 |
| Noninterest expense | 1,252,000 | 2,625,000 | 3,825,000 | 5,122,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 418,000 | 350,000 | 834,000 | 1,146,000 |
| Income tax | 6,000 | 5,000 | 12,000 | 17,000 |
| Net income | 412,000 | 345,000 | 822,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,004,000 | 16,735,000 | 16,989,000 | 17,181,000 |
| Total capital | 18,068,000 | 17,818,000 | 18,110,000 | 18,374,000 |
| Risk-weighted assets | 117,423,000 | 125,704,000 | 133,183,000 | 135,450,000 |