Call reports 2008
TOWANDA STATE BANK — 2008
What TOWANDA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 7,939,000 | 7,858,000 | 7,596,000 | 7,967,000 |
| Total loans | 5,056,000 | 5,213,000 | 5,146,000 | 5,145,000 |
| Allowance for loan losses | 86,000 | 88,000 | 90,000 | 82,000 |
| Securities available for sale | 612,000 | 862,000 | 757,000 | 1,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,884,000 | 6,809,000 | 6,541,000 | 6,916,000 |
| Interest-bearing deposits | 5,255,000 | 5,004,000 | 4,792,000 | 5,146,000 |
| Noninterest-bearing deposits | 1,629,000 | 1,805,000 | 1,749,000 | 1,770,000 |
| Equity capital | 794,000 | 793,000 | 796,000 | 791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 124,000 | 248,000 | 373,000 | 494,000 |
| Interest expense | 39,000 | 72,000 | 107,000 | 138,000 |
| Net interest income | 85,000 | 176,000 | 266,000 | 356,000 |
| Noninterest income | 34,000 | 73,000 | 105,000 | 131,000 |
| Noninterest expense | 120,000 | 248,000 | 361,000 | 488,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | 1,000 | 10,000 | -1,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,000 | 1,000 | 10,000 | -1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 791,000 | 793,000 | 797,000 | 786,000 |
| Total capital | 847,000 | 849,000 | 852,000 | 842,000 |
| Risk-weighted assets | 4,464,000 | 4,438,000 | 4,329,000 | 4,439,000 |