Call reports 2005
TOWANDA STATE BANK — 2005
What TOWANDA STATE 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 | 7,461,000 | 7,812,000 | 7,385,000 | 7,050,000 |
| Total loans | 4,573,000 | 4,634,000 | 4,683,000 | 4,804,000 |
| Allowance for loan losses | 95,000 | 97,000 | 98,000 | 99,000 |
| Securities available for sale | 1,382,000 | 1,385,000 | 1,284,000 | 1,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,368,000 | 6,720,000 | 6,289,000 | 5,972,000 |
| Interest-bearing deposits | 5,216,000 | 5,383,000 | 5,152,000 | 4,722,000 |
| Noninterest-bearing deposits | 1,152,000 | 1,337,000 | 1,137,000 | 1,250,000 |
| Equity capital | 832,000 | 831,000 | 844,000 | 824,000 |
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 | 124,000 | 242,000 | 380,000 | 503,000 |
| Interest expense | 21,000 | 45,000 | 70,000 | 96,000 |
| Net interest income | 103,000 | 197,000 | 310,000 | 407,000 |
| Noninterest income | 34,000 | 67,000 | 105,000 | 144,000 |
| Noninterest expense | 150,000 | 281,000 | 418,000 | 569,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -13,000 | -17,000 | -3,000 | -18,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -13,000 | -17,000 | -3,000 | -18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 847,000 | 843,000 | 857,000 | 842,000 |
| Total capital | 900,000 | 897,000 | 908,000 | 893,000 |
| Risk-weighted assets | 4,163,000 | 4,241,000 | 4,051,000 | 4,072,000 |