Call reports 2015
TOWANDA STATE BANK — 2015
What TOWANDA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 9,921,000 | 9,819,000 | 10,080,000 | 10,076,000 |
| Total loans | 6,983,000 | 7,438,000 | 7,617,000 | 7,723,000 |
| Allowance for loan losses | 85,000 | 81,000 | 95,000 | 97,000 |
| Securities available for sale | 1,113,000 | 1,009,000 | 1,013,000 | 909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,982,000 | 8,883,000 | 9,161,000 | 9,159,000 |
| Interest-bearing deposits | 7,062,000 | 6,927,000 | 6,886,000 | 6,875,000 |
| Noninterest-bearing deposits | 1,920,000 | 1,956,000 | 2,275,000 | 2,284,000 |
| Equity capital | 897,000 | 895,000 | 877,000 | 878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 110,000 | 223,000 | 342,000 | 466,000 |
| Interest expense | 10,000 | 20,000 | 33,000 | 43,000 |
| Net interest income | 100,000 | 203,000 | 309,000 | 423,000 |
| Noninterest income | 22,000 | 45,000 | 69,000 | 92,000 |
| Noninterest expense | 125,000 | 251,000 | 385,000 | 516,000 |
| Provision for loan losses | 1,000 | 2,000 | 20,000 | 21,000 |
| Pretax income | -4,000 | -5,000 | -27,000 | -22,000 |
| Income tax | 0 | -1,000 | -1,000 | -1,000 |
| Net income | -4,000 | -4,000 | -26,000 | -21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 891,000 | 891,000 | 869,000 | 873,000 |
| Total capital | 957,000 | 961,000 | 939,000 | 944,000 |
| Risk-weighted assets | 5,281,000 | 5,617,000 | 5,632,000 | 5,728,000 |