Call reports 2007
BANK OF TIOGA, THE — 2007
What BANK OF TIOGA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,272,000 | 57,389,000 | 60,834,000 | 67,528,000 |
| Total loans | 21,672,000 | 23,637,000 | 23,854,000 | 23,975,000 |
| Allowance for loan losses | 300,000 | 335,000 | 337,000 | 333,000 |
| Securities available for sale | 27,020,000 | 26,272,000 | 26,565,000 | 25,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,450,000 | 46,341,000 | 48,267,000 | 51,301,000 |
| Interest-bearing deposits | 41,363,000 | 39,048,000 | 39,899,000 | 41,731,000 |
| Noninterest-bearing deposits | 7,087,000 | 7,293,000 | 8,368,000 | 9,570,000 |
| Equity capital | 8,871,000 | 8,472,000 | 9,045,000 | 9,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,620,000 | 2,481,000 | 3,349,000 |
| Interest expense | 270,000 | 547,000 | 821,000 | 1,114,000 |
| Net interest income | 515,000 | 1,073,000 | 1,660,000 | 2,235,000 |
| Noninterest income | 87,000 | 142,000 | 196,000 | 263,000 |
| Noninterest expense | 290,000 | 546,000 | 857,000 | 1,315,000 |
| Provision for loan losses | -236,000 | -201,000 | -201,000 | -201,000 |
| Pretax income | 558,000 | 881,000 | 1,211,000 | 1,393,000 |
| Income tax | 26,000 | 42,000 | 57,000 | 90,000 |
| Net income | 532,000 | 839,000 | 1,154,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,121,000 | 9,110,000 | 9,275,000 | 9,424,000 |
| Total capital | 9,421,000 | 9,445,000 | 9,612,000 | 9,757,000 |
| Risk-weighted assets | 31,399,000 | 31,963,000 | 32,557,000 | 34,126,000 |