Call reports 2008
BANK OF TIOGA, THE — 2008
What BANK OF TIOGA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,692,000 | 67,535,000 | 70,175,000 | 74,054,000 |
| Total loans | 23,556,000 | 26,896,000 | 29,469,000 | 28,506,000 |
| Allowance for loan losses | 362,000 | 384,000 | 445,000 | 538,000 |
| Securities available for sale | 27,550,000 | 24,668,000 | 24,428,000 | 24,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,543,000 | 55,163,000 | 58,094,000 | 60,283,000 |
| Interest-bearing deposits | 46,014,000 | 45,962,000 | 47,274,000 | 47,552,000 |
| Noninterest-bearing deposits | 9,529,000 | 9,201,000 | 10,820,000 | 12,731,000 |
| Equity capital | 9,853,000 | 8,982,000 | 9,394,000 | 10,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,661,000 | 2,519,000 | 3,360,000 |
| Interest expense | 267,000 | 497,000 | 704,000 | 890,000 |
| Net interest income | 574,000 | 1,164,000 | 1,815,000 | 2,470,000 |
| Noninterest income | 58,000 | 111,000 | 169,000 | 283,000 |
| Noninterest expense | 310,000 | 560,000 | 886,000 | 1,318,000 |
| Provision for loan losses | 25,000 | 55,000 | 117,000 | 210,000 |
| Pretax income | 319,000 | 700,000 | 1,021,000 | 1,285,000 |
| Income tax | 21,000 | 45,000 | 70,000 | 79,000 |
| Net income | 298,000 | 655,000 | 951,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,578,000 | 9,440,000 | 9,586,000 | 9,841,000 |
| Total capital | 9,940,000 | 9,824,000 | 10,031,000 | 10,315,000 |
| Risk-weighted assets | 33,693,000 | 38,924,000 | 38,071,000 | 37,843,000 |