Call reports 2012
TOWANDA STATE BANK — 2012
What TOWANDA STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 9,167,000 | 9,605,000 | 9,514,000 | 9,128,000 |
| Total loans | 6,615,000 | 6,854,000 | 6,918,000 | 6,993,000 |
| Allowance for loan losses | 95,000 | 91,000 | 85,000 | 85,000 |
| Securities available for sale | 1,112,000 | 786,000 | 805,000 | 704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,263,000 | 8,692,000 | 8,557,000 | 8,168,000 |
| Interest-bearing deposits | 6,804,000 | 6,683,000 | 6,545,000 | 6,524,000 |
| Noninterest-bearing deposits | 1,459,000 | 2,009,000 | 2,012,000 | 1,644,000 |
| Equity capital | 794,000 | 804,000 | 851,000 | 856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 118,000 | 237,000 | 357,000 | 475,000 |
| Interest expense | 13,000 | 28,000 | 40,000 | 54,000 |
| Net interest income | 105,000 | 209,000 | 317,000 | 421,000 |
| Noninterest income | 32,000 | 60,000 | 121,000 | 147,000 |
| Noninterest expense | 121,000 | 241,000 | 367,000 | 495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 28,000 | 71,000 | 73,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 28,000 | 71,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 813,000 | 826,000 | 868,000 | 870,000 |
| Total capital | 876,000 | 890,000 | 933,000 | 935,000 |
| Risk-weighted assets | 4,990,000 | 5,124,000 | 5,152,000 | 5,165,000 |