Call reports 2011
TOWANDA STATE BANK — 2011
What TOWANDA STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 9,196,000 | 9,466,000 | 9,289,000 | 9,188,000 |
| Total loans | 6,128,000 | 6,183,000 | 6,261,000 | 6,572,000 |
| Allowance for loan losses | 99,000 | 97,000 | 97,000 | 95,000 |
| Securities available for sale | 1,206,000 | 1,311,000 | 1,424,000 | 1,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,266,000 | 8,534,000 | 8,367,000 | 8,295,000 |
| Interest-bearing deposits | 6,904,000 | 6,868,000 | 6,643,000 | 6,543,000 |
| Noninterest-bearing deposits | 1,362,000 | 1,666,000 | 1,724,000 | 1,752,000 |
| Equity capital | 811,000 | 814,000 | 805,000 | 778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 117,000 | 234,000 | 351,000 | 468,000 |
| Interest expense | 22,000 | 44,000 | 65,000 | 82,000 |
| Net interest income | 95,000 | 190,000 | 286,000 | 386,000 |
| Noninterest income | 31,000 | 56,000 | 84,000 | 111,000 |
| Noninterest expense | 128,000 | 253,000 | 381,000 | 536,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -2,000 | -7,000 | -11,000 | -39,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,000 | -7,000 | -11,000 | -39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 834,000 | 829,000 | 825,000 | 797,000 |
| Total capital | 896,000 | 892,000 | 888,000 | 861,000 |
| Risk-weighted assets | 4,906,000 | 5,026,000 | 5,003,000 | 5,055,000 |