Call reports 2004
TOWANDA STATE BANK — 2004
What TOWANDA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 8,014,000 | 8,036,000 | 7,750,000 | 7,661,000 |
| Total loans | 4,891,000 | 4,814,000 | 4,698,000 | 4,907,000 |
| Allowance for loan losses | 90,000 | 85,000 | 87,000 | 86,000 |
| Securities available for sale | 710,000 | 1,304,000 | 1,501,000 | 1,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,988,000 | 6,918,000 | 6,641,000 | 6,484,000 |
| Interest-bearing deposits | 5,700,000 | 5,534,000 | 5,267,000 | 5,117,000 |
| Noninterest-bearing deposits | 1,288,000 | 1,384,000 | 1,374,000 | 1,367,000 |
| Equity capital | 844,000 | 857,000 | 851,000 | 865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 130,000 | 270,000 | 382,000 | 529,000 |
| Interest expense | 24,000 | 46,000 | 67,000 | 92,000 |
| Net interest income | 106,000 | 224,000 | 315,000 | 437,000 |
| Noninterest income | 40,000 | 82,000 | 126,000 | 165,000 |
| Noninterest expense | 135,000 | 279,000 | 419,000 | 569,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 11,000 | 27,000 | 22,000 | 28,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,000 | 27,000 | 22,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 843,000 | 859,000 | 854,000 | 861,000 |
| Total capital | 900,000 | 916,000 | 910,000 | 914,000 |
| Risk-weighted assets | 4,534,000 | 4,525,000 | 4,451,000 | 4,218,000 |