Call reports 2025
TOMPKINS STATE BANK — 2025
What TOMPKINS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 299,608,000 | 287,629,000 | 302,376,000 | 305,175,000 |
| Total loans | 156,133,000 | 156,120,000 | 161,562,000 | 171,948,000 |
| Allowance for loan losses | 1,330,000 | 1,361,000 | 1,371,000 | 1,468,000 |
| Securities available for sale | 105,186,000 | 104,582,000 | 105,329,000 | 105,844,000 |
| Securities held to maturity | 2,072,000 | 2,072,000 | 2,072,000 | 1,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,971,000 | 258,746,000 | 273,047,000 | 276,069,000 |
| Interest-bearing deposits | 211,719,000 | 207,218,000 | 218,369,000 | 216,423,000 |
| Noninterest-bearing deposits | 58,252,000 | 51,528,000 | 54,678,000 | 59,646,000 |
| Equity capital | 24,246,000 | 24,450,000 | 27,709,000 | 28,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,365,000 | 6,768,000 | 10,306,000 | 13,944,000 |
| Interest expense | 990,000 | 2,033,000 | 3,119,000 | 4,215,000 |
| Net interest income | 2,375,000 | 4,735,000 | 7,187,000 | 9,729,000 |
| Noninterest income | 234,000 | 498,000 | 681,000 | 943,000 |
| Noninterest expense | 1,790,000 | 3,703,000 | 5,482,000 | 7,623,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 120,000 |
| Pretax income | 771,000 | 1,482,000 | 2,328,000 | 2,930,000 |
| Income tax | 37,000 | 73,000 | 111,000 | 155,000 |
| Net income | 734,000 | 1,409,000 | 2,217,000 | 2,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,419,000 | 27,842,000 | 28,475,000 | 29,013,000 |
| Total capital | 28,825,000 | 29,279,000 | 29,922,000 | 30,532,000 |
| Risk-weighted assets | 205,520,000 | 187,396,000 | 209,827,000 | 199,134,000 |