Call reports 2010
TOWANDA STATE BANK — 2010
What TOWANDA STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 9,059,000 | 9,162,000 | 8,826,000 | 8,515,000 |
| Total loans | 6,106,000 | 6,321,000 | 6,305,000 | 6,379,000 |
| Allowance for loan losses | 92,000 | 95,000 | 101,000 | 99,000 |
| Securities available for sale | 1,120,000 | 952,000 | 1,049,000 | 1,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,078,000 | 8,185,000 | 7,842,000 | 7,564,000 |
| Interest-bearing deposits | 6,796,000 | 6,590,000 | 6,293,000 | 6,413,000 |
| Noninterest-bearing deposits | 1,282,000 | 1,595,000 | 1,549,000 | 1,151,000 |
| Equity capital | 797,000 | 832,000 | 838,000 | 830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 126,000 | 284,000 | 413,000 | 533,000 |
| Interest expense | 31,000 | 58,000 | 82,000 | 107,000 |
| Net interest income | 95,000 | 226,000 | 331,000 | 426,000 |
| Noninterest income | 23,000 | 49,000 | 74,000 | 121,000 |
| Noninterest expense | 115,000 | 245,000 | 365,000 | 510,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 3,000 | 30,000 | 35,000 | 32,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 30,000 | 35,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 807,000 | 833,000 | 838,000 | 835,000 |
| Total capital | 871,000 | 896,000 | 900,000 | 897,000 |
| Risk-weighted assets | 5,090,000 | 5,003,000 | 4,922,000 | 4,936,000 |