Call reports 2010
BANK OF TIOGA, THE — 2010
What BANK OF TIOGA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 82,881,000 | 79,902,000 | 83,577,000 | 89,444,000 |
| Total loans | 28,747,000 | 29,638,000 | 30,363,000 | 28,794,000 |
| Allowance for loan losses | 810,000 | 1,215,000 | 743,000 | 743,000 |
| Securities available for sale | 29,263,000 | 29,514,000 | 27,852,000 | 27,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,078,000 | 67,229,000 | 70,452,000 | 79,057,000 |
| Interest-bearing deposits | 55,504,000 | 53,375,000 | 54,504,000 | 58,252,000 |
| Noninterest-bearing deposits | 14,574,000 | 13,854,000 | 15,948,000 | 20,805,000 |
| Equity capital | 10,889,000 | 10,833,000 | 11,115,000 | 8,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,507,000 | 2,265,000 | 2,996,000 |
| Interest expense | 107,000 | 212,000 | 315,000 | 418,000 |
| Net interest income | 655,000 | 1,295,000 | 1,950,000 | 2,578,000 |
| Noninterest income | 62,000 | 138,000 | 213,000 | 307,000 |
| Noninterest expense | 338,000 | 642,000 | 1,010,000 | 1,467,000 |
| Provision for loan losses | 30,000 | 435,000 | 486,000 | 486,000 |
| Pretax income | 350,000 | 357,000 | 668,000 | 955,000 |
| Income tax | 23,000 | 23,000 | 48,000 | 64,000 |
| Net income | 327,000 | 334,000 | 620,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,286,000 | 9,933,000 | 10,069,000 | 7,560,000 |
| Total capital | 10,786,000 | 10,412,000 | 10,562,000 | 8,055,000 |
| Risk-weighted assets | 39,712,000 | 37,608,000 | 39,206,000 | 39,329,000 |