Call reports 2013
TOWANDA STATE BANK — 2013
What TOWANDA STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 9,255,000 | 9,717,000 | 9,386,000 | 9,432,000 |
| Total loans | 6,936,000 | 6,918,000 | 6,731,000 | 6,856,000 |
| Allowance for loan losses | 85,000 | 86,000 | 86,000 | 87,000 |
| Securities available for sale | 801,000 | 1,057,000 | 1,254,000 | 1,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,276,000 | 8,744,000 | 8,437,000 | 8,470,000 |
| Interest-bearing deposits | 6,538,000 | 6,960,000 | 6,794,000 | 6,858,000 |
| Noninterest-bearing deposits | 1,739,000 | 1,784,000 | 1,643,000 | 1,612,000 |
| Equity capital | 877,000 | 878,000 | 856,000 | 870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 115,000 | 229,000 | 345,000 | 456,000 |
| Interest expense | 11,000 | 24,000 | 37,000 | 50,000 |
| Net interest income | 104,000 | 205,000 | 308,000 | 406,000 |
| Noninterest income | 31,000 | 55,000 | 88,000 | 112,000 |
| Noninterest expense | 112,000 | 240,000 | 367,000 | 493,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 23,000 | 20,000 | 29,000 | 24,000 |
| Income tax | 0 | -2,000 | -2,000 | -1,000 |
| Net income | 23,000 | 22,000 | 31,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 892,000 | 892,000 | 901,000 | 895,000 |
| Total capital | 955,000 | 956,000 | 964,000 | 960,000 |
| Risk-weighted assets | 5,041,000 | 5,095,000 | 5,049,000 | 5,143,000 |