Call reports 2007
TOWANDA STATE BANK — 2007
What TOWANDA STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 7,791,000 | 7,941,000 | 7,448,000 | 7,892,000 |
| Total loans | 5,025,000 | 4,987,000 | 4,962,000 | 5,099,000 |
| Allowance for loan losses | 102,000 | 94,000 | 53,000 | 79,000 |
| Securities available for sale | 888,000 | 594,000 | 697,000 | 600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,686,000 | 6,837,000 | 6,355,000 | 6,841,000 |
| Interest-bearing deposits | 5,258,000 | 5,329,000 | 4,943,000 | 5,199,000 |
| Noninterest-bearing deposits | 1,428,000 | 1,508,000 | 1,412,000 | 1,642,000 |
| Equity capital | 847,000 | 843,000 | 830,000 | 792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 127,000 | 254,000 | 375,000 | 516,000 |
| Interest expense | 36,000 | 78,000 | 120,000 | 164,000 |
| Net interest income | 91,000 | 176,000 | 255,000 | 352,000 |
| Noninterest income | 38,000 | 78,000 | 122,000 | 170,000 |
| Noninterest expense | 128,000 | 261,000 | 395,000 | 535,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 50,000 |
| Pretax income | 1,000 | -7,000 | -23,000 | -63,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | -7,000 | -23,000 | -63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 856,000 | 848,000 | 832,000 | 792,000 |
| Total capital | 913,000 | 905,000 | 885,000 | 871,000 |
| Risk-weighted assets | 4,507,000 | 4,509,000 | 4,372,000 | 4,422,000 |