Call reports 2014
TOWANDA STATE BANK — 2014
What TOWANDA STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 9,980,000 | 9,950,000 | 9,637,000 | 9,661,000 |
| Total loans | 7,066,000 | 7,111,000 | 6,992,000 | 7,205,000 |
| Allowance for loan losses | 89,000 | 90,000 | 85,000 | 88,000 |
| Securities available for sale | 1,097,000 | 1,095,000 | 1,093,000 | 1,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,012,000 | 9,012,000 | 8,716,000 | 8,720,000 |
| Interest-bearing deposits | 7,156,000 | 7,360,000 | 6,747,000 | 6,935,000 |
| Noninterest-bearing deposits | 1,856,000 | 1,652,000 | 1,969,000 | 1,785,000 |
| Equity capital | 878,000 | 881,000 | 880,000 | 899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 113,000 | 224,000 | 336,000 | 452,000 |
| Interest expense | 11,000 | 24,000 | 35,000 | 45,000 |
| Net interest income | 102,000 | 200,000 | 301,000 | 407,000 |
| Noninterest income | 23,000 | 61,000 | 92,000 | 117,000 |
| Noninterest expense | 131,000 | 262,000 | 393,000 | 517,000 |
| Provision for loan losses | 1,000 | 2,000 | 3,000 | 4,000 |
| Pretax income | -7,000 | -3,000 | -3,000 | 3,000 |
| Income tax | -2,000 | -1,000 | -1,000 | -1,000 |
| Net income | -5,000 | -2,000 | -2,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 887,000 | 889,000 | 889,000 | 895,000 |
| Total capital | 954,000 | 955,000 | 954,000 | 961,000 |
| Risk-weighted assets | 5,305,000 | 5,246,000 | 5,203,000 | 5,268,000 |