Call reports 2006
TOWANDA STATE BANK — 2006
What TOWANDA STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 7,733,000 | 7,633,000 | 7,433,000 | 7,262,000 |
| Total loans | 4,686,000 | 4,871,000 | 4,981,000 | 4,959,000 |
| Allowance for loan losses | 99,000 | 101,000 | 102,000 | 101,000 |
| Securities available for sale | 1,176,000 | 1,075,000 | 1,083,000 | 888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,663,000 | 6,560,000 | 6,337,000 | 6,162,000 |
| Interest-bearing deposits | 5,232,000 | 5,208,000 | 5,023,000 | 4,899,000 |
| Noninterest-bearing deposits | 1,430,000 | 1,352,000 | 1,314,000 | 1,263,000 |
| Equity capital | 815,000 | 820,000 | 842,000 | 845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 118,000 | 244,000 | 368,000 | 500,000 |
| Interest expense | 29,000 | 63,000 | 96,000 | 130,000 |
| Net interest income | 89,000 | 181,000 | 272,000 | 370,000 |
| Noninterest income | 37,000 | 82,000 | 131,000 | 173,000 |
| Noninterest expense | 134,000 | 265,000 | 390,000 | 529,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -8,000 | -2,000 | 13,000 | 14,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -8,000 | -2,000 | 13,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 834,000 | 840,000 | 855,000 | 855,000 |
| Total capital | 887,000 | 894,000 | 908,000 | 908,000 |
| Risk-weighted assets | 4,195,000 | 4,271,000 | 4,227,000 | 4,230,000 |