Call reports 2009
BANK OF TIOGA, THE — 2009
What BANK OF TIOGA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 78,139,000 | 77,073,000 | 76,438,000 | 80,255,000 |
| Total loans | 26,983,000 | 29,983,000 | 31,392,000 | 30,367,000 |
| Allowance for loan losses | 631,000 | 826,000 | 872,000 | 780,000 |
| Securities available for sale | 27,114,000 | 25,891,000 | 26,916,000 | 29,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,936,000 | 64,144,000 | 62,949,000 | 66,905,000 |
| Interest-bearing deposits | 51,421,000 | 50,107,000 | 49,534,000 | 51,520,000 |
| Noninterest-bearing deposits | 13,515,000 | 14,037,000 | 13,415,000 | 15,385,000 |
| Equity capital | 10,383,000 | 9,928,000 | 10,611,000 | 10,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,608,000 | 2,439,000 | 3,267,000 |
| Interest expense | 154,000 | 293,000 | 422,000 | 537,000 |
| Net interest income | 646,000 | 1,315,000 | 2,017,000 | 2,730,000 |
| Noninterest income | 55,000 | 118,000 | 180,000 | 281,000 |
| Noninterest expense | 299,000 | 592,000 | 972,000 | 1,414,000 |
| Provision for loan losses | 100,000 | 294,000 | 340,000 | 366,000 |
| Pretax income | 312,000 | 562,000 | 900,000 | 1,249,000 |
| Income tax | 26,000 | 37,000 | 58,000 | 81,000 |
| Net income | 286,000 | 525,000 | 842,000 | 1,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,977,000 | 9,616,000 | 9,783,000 | 10,109,000 |
| Total capital | 10,448,000 | 10,113,000 | 10,289,000 | 10,617,000 |
| Risk-weighted assets | 37,495,000 | 39,407,000 | 40,113,000 | 40,385,000 |