Call reports 2004
BANK OF TIOGA, THE — 2004
What BANK OF TIOGA, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,652,000 | 51,512,000 | 51,572,000 | 52,978,000 |
| Total loans | 18,382,000 | 20,741,000 | 22,202,000 | 21,343,000 |
| Allowance for loan losses | 228,000 | 228,000 | 373,000 | 371,000 |
| Securities available for sale | 25,519,000 | 24,902,000 | 23,568,000 | 23,866,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,612,000 | 40,949,000 | 40,848,000 | 41,736,000 |
| Interest-bearing deposits | 37,348,000 | 36,421,000 | 35,889,000 | 36,198,000 |
| Noninterest-bearing deposits | 5,264,000 | 4,528,000 | 4,959,000 | 5,538,000 |
| Equity capital | 8,229,000 | 7,629,000 | 8,044,000 | 8,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 586,000 | 1,178,000 | 1,806,000 | 2,431,000 |
| Interest expense | 131,000 | 260,000 | 390,000 | 529,000 |
| Net interest income | 455,000 | 918,000 | 1,416,000 | 1,902,000 |
| Noninterest income | 145,000 | 189,000 | 236,000 | 277,000 |
| Noninterest expense | 258,000 | 477,000 | 756,000 | 1,148,000 |
| Provision for loan losses | 0 | 0 | 145,000 | 155,000 |
| Pretax income | 343,000 | 636,000 | 764,000 | 892,000 |
| Income tax | 17,000 | 31,000 | 37,000 | 42,000 |
| Net income | 326,000 | 605,000 | 727,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,686,000 | 7,806,000 | 7,778,000 | 7,901,000 |
| Total capital | 7,914,000 | 8,034,000 | 8,123,000 | 8,258,000 |
| Risk-weighted assets | 24,838,000 | 26,486,000 | 27,563,000 | 28,535,000 |