Call reports 2003
BANK OF TIOGA, THE — 2003
What BANK OF TIOGA, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 52,134,000 | 52,042,000 | 51,274,000 | 51,711,000 |
| Total loans | 18,592,000 | 19,910,000 | 20,138,000 | 19,578,000 |
| Allowance for loan losses | 233,000 | 226,000 | 207,000 | 227,000 |
| Securities available for sale | 24,108,000 | 22,973,000 | 22,151,000 | 24,088,000 |
| Securities held to maturity | 270,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,557,000 | 40,198,000 | 39,454,000 | 40,395,000 |
| Interest-bearing deposits | 36,834,000 | 36,055,000 | 35,417,000 | 35,613,000 |
| Noninterest-bearing deposits | 3,723,000 | 4,143,000 | 4,037,000 | 4,782,000 |
| Equity capital | 7,555,000 | 7,752,000 | 7,667,000 | 7,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,229,000 | 1,797,000 | 2,399,000 |
| Interest expense | 194,000 | 368,000 | 521,000 | 662,000 |
| Net interest income | 435,000 | 861,000 | 1,276,000 | 1,737,000 |
| Noninterest income | 40,000 | 77,000 | 119,000 | 168,000 |
| Noninterest expense | 251,000 | 472,000 | 728,000 | 1,040,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 194,000 | 406,000 | 577,000 | 755,000 |
| Income tax | 11,000 | 19,000 | 28,000 | 36,000 |
| Net income | 183,000 | 387,000 | 549,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,019,000 | 7,178,000 | 7,280,000 | 7,450,000 |
| Total capital | 7,252,000 | 7,404,000 | 7,487,000 | 7,677,000 |
| Risk-weighted assets | 26,685,000 | 27,525,000 | 27,871,000 | 27,347,000 |