Call reports 2005
TOMPKINS COMMUNITY BANK — 2005
What TOMPKINS COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,051,161,000 | 1,088,736,000 | 1,072,222,000 | 1,104,304,000 |
| Total loans | 574,538,000 | 580,684,000 | 584,695,000 | 594,239,000 |
| Allowance for loan losses | 5,613,000 | 5,813,000 | 5,888,000 | 5,963,000 |
| Securities available for sale | 337,122,000 | 335,461,000 | 325,691,000 | 347,156,000 |
| Securities held to maturity | 50,530,000 | 55,032,000 | 54,350,000 | 56,084,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 750,405,000 | 723,324,000 | 737,184,000 | 785,786,000 |
| Interest-bearing deposits | 614,533,000 | 568,818,000 | 582,192,000 | 622,985,000 |
| Noninterest-bearing deposits | 135,872,000 | 154,506,000 | 154,992,000 | 162,801,000 |
| Equity capital | 84,703,000 | 88,492,000 | 89,703,000 | 88,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 13,170,000 | 26,843,000 | 40,780,000 | 55,130,000 |
| Interest expense | 3,724,000 | 7,908,000 | 12,304,000 | 17,277,000 |
| Net interest income | 9,446,000 | 18,935,000 | 28,476,000 | 37,853,000 |
| Noninterest income | 3,540,000 | 7,342,000 | 11,175,000 | 17,963,000 |
| Noninterest expense | 7,608,000 | 15,218,000 | 22,684,000 | 30,135,000 |
| Provision for loan losses | 84,000 | 401,000 | 510,000 | 739,000 |
| Pretax income | 5,300,000 | 10,664,000 | 16,463,000 | 24,339,000 |
| Income tax | 1,711,000 | 3,468,000 | 5,312,000 | 7,868,000 |
| Net income | 3,589,000 | 7,196,000 | 11,151,000 | 16,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,794,000 | 89,545,000 | 91,661,000 | 92,407,000 |
| Total capital | 93,407,000 | 95,358,000 | 97,549,000 | 98,370,000 |
| Risk-weighted assets | 635,277,000 | 650,580,000 | 645,100,000 | 661,632,000 |