Call reports 2003
TOWANDA STATE BANK — 2003
What TOWANDA STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 7,986,000 | 8,206,000 | 8,148,000 | 7,950,000 |
| Total loans | 5,754,000 | 5,636,000 | 5,367,000 | 4,938,000 |
| Allowance for loan losses | 98,000 | 91,000 | 82,000 | 91,000 |
| Securities available for sale | 519,000 | 519,000 | 758,000 | 412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,953,000 | 7,153,000 | 7,093,000 | 6,932,000 |
| Interest-bearing deposits | 5,816,000 | 5,869,000 | 5,893,000 | 5,758,000 |
| Noninterest-bearing deposits | 1,137,000 | 1,284,000 | 1,200,000 | 1,174,000 |
| Equity capital | 837,000 | 858,000 | 866,000 | 832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 296,000 | 437,000 | 562,000 |
| Interest expense | 33,000 | 66,000 | 95,000 | 122,000 |
| Net interest income | 116,000 | 230,000 | 342,000 | 440,000 |
| Noninterest income | 34,000 | 81,000 | 126,000 | 167,000 |
| Noninterest expense | 127,000 | 269,000 | 412,000 | 574,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 23,000 | 42,000 | 56,000 | 17,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 23,000 | 42,000 | 56,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 837,000 | 856,000 | 871,000 | 832,000 |
| Total capital | 897,000 | 916,000 | 931,000 | 889,000 |
| Risk-weighted assets | 4,728,000 | 4,792,000 | 4,753,000 | 4,515,000 |