Call reports 2001
TOWANDA STATE BANK — 2001
What TOWANDA STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 7,530,000 | 7,407,000 | 7,586,000 | 7,660,000 |
| Total loans | 5,457,000 | 5,571,000 | 5,622,000 | 5,745,000 |
| Allowance for loan losses | 69,000 | 76,000 | 80,000 | 80,000 |
| Securities available for sale | 403,000 | 302,000 | 302,000 | 200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,546,000 | 6,402,000 | 6,550,000 | 6,658,000 |
| Interest-bearing deposits | 5,485,000 | 5,363,000 | 5,577,000 | 5,654,000 |
| Noninterest-bearing deposits | 1,061,000 | 1,039,000 | 973,000 | 1,004,000 |
| Equity capital | 751,000 | 768,000 | 802,000 | 776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 165,000 | 329,000 | 509,000 | 670,000 |
| Interest expense | 66,000 | 134,000 | 197,000 | 256,000 |
| Net interest income | 99,000 | 195,000 | 312,000 | 414,000 |
| Noninterest income | 39,000 | 84,000 | 123,000 | 165,000 |
| Noninterest expense | 106,000 | 223,000 | 334,000 | 481,000 |
| Provision for loan losses | 5,000 | 12,000 | 22,000 | 45,000 |
| Pretax income | 27,000 | 44,000 | 79,000 | 53,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 23,000 | 40,000 | 75,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 748,000 | 768,000 | 802,000 | 776,000 |
| Total capital | 803,000 | 825,000 | 859,000 | 835,000 |
| Risk-weighted assets | 4,420,000 | 4,574,000 | 4,503,000 | 4,692,000 |