Call reports 2005
BANK OF TIOGA, THE — 2005
What BANK OF TIOGA, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,015,000 | 52,873,000 | 53,766,000 | 55,228,000 |
| Total loans | 19,931,000 | 20,986,000 | 22,505,000 | 21,542,000 |
| Allowance for loan losses | 382,000 | 288,000 | 290,000 | 291,000 |
| Securities available for sale | 24,732,000 | 25,375,000 | 24,444,000 | 24,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,571,000 | 41,979,000 | 43,050,000 | 45,028,000 |
| Interest-bearing deposits | 37,842,000 | 37,046,000 | 37,886,000 | 38,830,000 |
| Noninterest-bearing deposits | 5,729,000 | 4,933,000 | 5,164,000 | 6,198,000 |
| Equity capital | 7,802,000 | 8,044,000 | 8,002,000 | 7,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,248,000 | 1,896,000 | 2,575,000 |
| Interest expense | 138,000 | 285,000 | 444,000 | 624,000 |
| Net interest income | 474,000 | 963,000 | 1,452,000 | 1,951,000 |
| Noninterest income | 44,000 | 95,000 | 149,000 | 197,000 |
| Noninterest expense | 264,000 | 498,000 | 790,000 | 1,152,000 |
| Provision for loan losses | 10,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 244,000 | 500,000 | 751,000 | 936,000 |
| Income tax | 7,000 | 24,000 | 36,000 | 50,000 |
| Net income | 237,000 | 476,000 | 715,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,078,000 | 7,983,000 | 7,874,000 | 7,499,000 |
| Total capital | 8,427,000 | 8,271,000 | 8,164,000 | 7,790,000 |
| Risk-weighted assets | 27,901,000 | 28,148,000 | 29,838,000 | 29,862,000 |