Call reports 2016
TOWANDA STATE BANK — 2016
What TOWANDA STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 10,455,000 | 11,141,000 | 10,438,000 | 9,835,000 |
| Total loans | 7,774,000 | 7,607,000 | 7,330,000 | 7,187,000 |
| Allowance for loan losses | 98,000 | 101,000 | 102,000 | 103,000 |
| Securities available for sale | 1,066,000 | 971,000 | 1,219,000 | 1,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,539,000 | 10,223,000 | 9,533,000 | 8,944,000 |
| Interest-bearing deposits | 7,318,000 | 7,518,000 | 6,981,000 | 6,829,000 |
| Noninterest-bearing deposits | 2,221,000 | 2,705,000 | 2,552,000 | 2,115,000 |
| Equity capital | 877,000 | 880,000 | 867,000 | 852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 123,000 | 232,000 | 355,000 | 465,000 |
| Interest expense | 10,000 | 22,000 | 33,000 | 45,000 |
| Net interest income | 113,000 | 210,000 | 322,000 | 420,000 |
| Noninterest income | 23,000 | 56,000 | 83,000 | 141,000 |
| Noninterest expense | 137,000 | 262,000 | 407,000 | 548,000 |
| Provision for loan losses | 1,000 | 2,000 | 3,000 | 4,000 |
| Pretax income | -2,000 | 2,000 | -5,000 | 9,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,000 | 2,000 | -5,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 871,000 | 873,000 | 866,000 | 880,000 |
| Total capital | 943,000 | 948,000 | 937,000 | 952,000 |
| Risk-weighted assets | 5,793,000 | 6,029,000 | 5,668,000 | 5,733,000 |