Call reports 2009
TOWANDA STATE BANK — 2009
What TOWANDA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 7,738,000 | 7,976,000 | 8,113,000 | 8,705,000 |
| Total loans | 5,320,000 | 5,920,000 | 6,154,000 | 6,294,000 |
| Allowance for loan losses | 84,000 | 89,000 | 90,000 | 90,000 |
| Securities available for sale | 1,276,000 | 1,012,000 | 657,000 | 848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,691,000 | 6,927,000 | 7,052,000 | 7,648,000 |
| Interest-bearing deposits | 5,118,000 | 5,137,000 | 5,574,000 | 6,046,000 |
| Noninterest-bearing deposits | 1,573,000 | 1,790,000 | 1,478,000 | 1,602,000 |
| Equity capital | 787,000 | 790,000 | 798,000 | 794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 117,000 | 243,000 | 374,000 | 503,000 |
| Interest expense | 27,000 | 56,000 | 83,000 | 113,000 |
| Net interest income | 90,000 | 187,000 | 291,000 | 390,000 |
| Noninterest income | 28,000 | 72,000 | 105,000 | 139,000 |
| Noninterest expense | 122,000 | 254,000 | 382,000 | 516,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -4,000 | 5,000 | 14,000 | 13,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,000 | 5,000 | 14,000 | 13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 782,000 | 791,000 | 799,000 | 799,000 |
| Total capital | 839,000 | 852,000 | 861,000 | 863,000 |
| Risk-weighted assets | 4,517,000 | 4,831,000 | 4,919,000 | 5,101,000 |