Call reports 2002
BANK OF TIOGA, THE — 2002
What BANK OF TIOGA, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 50,280,000 | 49,505,000 | 50,627,000 | 53,208,000 |
| Total loans | 19,732,000 | 20,295,000 | 19,825,000 | 18,694,000 |
| Allowance for loan losses | 331,000 | 332,000 | 231,000 | 281,000 |
| Securities available for sale | 21,472,000 | 22,719,000 | 22,449,000 | 25,617,000 |
| Securities held to maturity | 465,000 | 425,000 | 425,000 | 270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,590,000 | 40,343,000 | 40,569,000 | 40,559,000 |
| Interest-bearing deposits | 37,831,000 | 36,328,000 | 35,985,000 | 36,143,000 |
| Noninterest-bearing deposits | 3,759,000 | 4,015,000 | 4,584,000 | 4,416,000 |
| Equity capital | 6,915,000 | 7,263,000 | 7,354,000 | 7,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 717,000 | 1,426,000 | 2,088,000 | 2,766,000 |
| Interest expense | 261,000 | 495,000 | 716,000 | 928,000 |
| Net interest income | 456,000 | 931,000 | 1,372,000 | 1,838,000 |
| Noninterest income | 48,000 | 86,000 | 128,000 | 170,000 |
| Noninterest expense | 303,000 | 588,000 | 916,000 | 1,294,000 |
| Provision for loan losses | 15,000 | 170,000 | 315,000 | 365,000 |
| Pretax income | 184,000 | 428,000 | 483,000 | 563,000 |
| Income tax | 9,000 | 28,000 | 26,000 | 26,000 |
| Net income | 175,000 | 400,000 | 457,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,669,000 | 6,849,000 | 6,831,000 | 6,911,000 |
| Total capital | 7,000,000 | 7,181,000 | 7,062,000 | 7,192,000 |
| Risk-weighted assets | 26,440,000 | 27,010,000 | 27,139,000 | 26,945,000 |