Call reports 2016
TOMPKINS STATE BANK — 2016
What TOMPKINS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 196,843,000 | 199,552,000 | 199,802,000 | 203,973,000 |
| Total loans | 129,143,000 | 131,728,000 | 129,866,000 | 126,018,000 |
| Allowance for loan losses | 1,217,000 | 1,247,000 | 1,233,000 | 1,236,000 |
| Securities available for sale | 47,669,000 | 55,150,000 | 54,592,000 | 55,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,165,000 | 163,955,000 | 167,907,000 | 173,562,000 |
| Interest-bearing deposits | 134,133,000 | 134,818,000 | 138,460,000 | 142,670,000 |
| Noninterest-bearing deposits | 31,032,000 | 29,137,000 | 29,447,000 | 30,892,000 |
| Equity capital | 20,958,000 | 21,522,000 | 21,768,000 | 20,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,507,000 | 5,292,000 | 7,065,000 |
| Interest expense | 209,000 | 419,000 | 639,000 | 876,000 |
| Net interest income | 1,518,000 | 3,088,000 | 4,653,000 | 6,189,000 |
| Noninterest income | 259,000 | 514,000 | 810,000 | 1,019,000 |
| Noninterest expense | 1,234,000 | 2,490,000 | 3,787,000 | 5,101,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 482,000 | 1,021,000 | 1,555,000 | 1,946,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 27,000 |
| Net income | 475,000 | 1,006,000 | 1,532,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,162,000 | 17,455,000 | 17,745,000 | 18,020,000 |
| Total capital | 18,379,000 | 18,702,000 | 18,978,000 | 19,256,000 |
| Risk-weighted assets | 138,006,000 | 131,700,000 | 136,484,000 | 137,775,000 |