Call reports 2015
BANK OF TIOGA, THE — 2015
What BANK OF TIOGA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 262,729,000 | 291,047,000 | 308,765,000 | 304,751,000 |
| Total loans | 52,266,000 | 57,666,000 | 59,757,000 | 59,550,000 |
| Allowance for loan losses | 269,000 | 271,000 | 268,000 | 264,000 |
| Securities available for sale | 195,575,000 | 210,204,000 | 222,066,000 | 218,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,855,000 | 223,709,000 | 269,791,000 | 275,318,000 |
| Interest-bearing deposits | 154,681,000 | 139,395,000 | 197,251,000 | 202,543,000 |
| Noninterest-bearing deposits | 81,174,000 | 84,314,000 | 72,540,000 | 72,775,000 |
| Equity capital | 23,745,000 | 20,430,000 | 23,284,000 | 26,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,042,000 | 4,402,000 | 6,826,000 | 9,312,000 |
| Interest expense | 63,000 | 146,000 | 284,000 | 423,000 |
| Net interest income | 1,979,000 | 4,256,000 | 6,542,000 | 8,889,000 |
| Noninterest income | 105,000 | 214,000 | 342,000 | 470,000 |
| Noninterest expense | 998,000 | 2,216,000 | 3,294,000 | 4,651,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,175,000 | 2,337,000 | 3,681,000 | 4,223,000 |
| Income tax | 15,000 | -35,000 | -102,000 | -465,000 |
| Net income | 1,160,000 | 2,372,000 | 3,783,000 | 4,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,646,000 | 24,966,000 | 24,920,000 | 24,039,000 |
| Total capital | 23,915,000 | 25,237,000 | 25,188,000 | 24,303,000 |
| Risk-weighted assets | 116,728,000 | 139,299,000 | 146,421,000 | 136,310,000 |