Call reports 2002
TOWANDA STATE BANK — 2002
What TOWANDA STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 7,760,000 | 7,804,000 | 7,717,000 | 7,588,000 |
| Total loans | 5,553,000 | 5,616,000 | 5,861,000 | 5,948,000 |
| Allowance for loan losses | 82,000 | 89,000 | 82,000 | 99,000 |
| Securities available for sale | 200,000 | 206,000 | 204,000 | 204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,744,000 | 6,796,000 | 6,688,000 | 6,563,000 |
| Interest-bearing deposits | 5,581,000 | 5,473,000 | 5,485,000 | 5,481,000 |
| Noninterest-bearing deposits | 1,163,000 | 1,323,000 | 1,203,000 | 1,082,000 |
| Equity capital | 800,000 | 798,000 | 825,000 | 827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 155,000 | 308,000 | 471,000 | 631,000 |
| Interest expense | 47,000 | 89,000 | 134,000 | 170,000 |
| Net interest income | 108,000 | 219,000 | 337,000 | 461,000 |
| Noninterest income | 34,000 | 71,000 | 113,000 | 151,000 |
| Noninterest expense | 118,000 | 241,000 | 362,000 | 496,000 |
| Provision for loan losses | 0 | 32,000 | 42,000 | 67,000 |
| Pretax income | 24,000 | 17,000 | 46,000 | 49,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 17,000 | 46,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 800,000 | 793,000 | 822,000 | 824,000 |
| Total capital | 857,000 | 852,000 | 882,000 | 885,000 |
| Risk-weighted assets | 4,543,000 | 4,682,000 | 4,798,000 | 4,844,000 |