Call reports 2025
BANK OF TIOGA, THE — 2025
What BANK OF TIOGA, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 434,213,000 | 429,209,000 | 415,371,000 | 394,447,000 |
| Total loans | 103,787,000 | 115,247,000 | 125,499,000 | 118,893,000 |
| Allowance for loan losses | 936,000 | 1,084,000 | 1,229,000 | 1,183,000 |
| Securities available for sale | 150,446,000 | 135,919,000 | 111,938,000 | 101,664,000 |
| Securities held to maturity | 130,567,000 | 130,800,000 | 129,092,000 | 129,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,278,000 | 414,679,000 | 408,846,000 | 386,761,000 |
| Interest-bearing deposits | 397,706,000 | 381,858,000 | 373,394,000 | 349,652,000 |
| Noninterest-bearing deposits | 32,572,000 | 32,821,000 | 35,452,000 | 37,109,000 |
| Equity capital | -20,000 | -438,000 | 2,810,000 | 3,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,766,000 | 9,492,000 | 14,272,000 | 18,740,000 |
| Interest expense | 2,517,000 | 5,039,000 | 7,467,000 | 9,750,000 |
| Net interest income | 2,249,000 | 4,453,000 | 6,805,000 | 8,990,000 |
| Noninterest income | 51,000 | 97,000 | 1,420,000 | 1,646,000 |
| Noninterest expense | 1,682,000 | 3,312,000 | 4,922,000 | 6,467,000 |
| Provision for loan losses | -32,000 | 116,000 | 264,000 | 220,000 |
| Pretax income | 777,000 | 580,000 | 2,495,000 | 3,393,000 |
| Income tax | 162,000 | 72,000 | 282,000 | 807,000 |
| Net income | 615,000 | 508,000 | 2,213,000 | 2,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,586,000 | 32,478,000 | 34,184,000 | 34,557,000 |
| Total capital | 33,552,000 | 33,590,000 | 35,439,000 | 35,780,000 |
| Risk-weighted assets | 222,913,000 | 232,512,000 | 239,211,000 | 226,417,000 |