Call reports 2018
TOWANDA STATE BANK — 2018
What TOWANDA STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 10,496,000 | 9,862,000 | 10,000,000 | 10,227,000 |
| Total loans | 7,581,000 | 7,411,000 | 7,541,000 | 7,496,000 |
| Allowance for loan losses | 106,000 | 108,000 | 112,000 | 107,000 |
| Securities available for sale | 1,210,000 | 1,305,000 | 1,303,000 | 1,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,655,000 | 9,040,000 | 9,189,000 | 8,532,000 |
| Interest-bearing deposits | 7,203,000 | 7,090,000 | 6,904,000 | 6,794,000 |
| Noninterest-bearing deposits | 2,452,000 | 1,950,000 | 2,285,000 | 1,738,000 |
| Equity capital | 810,000 | 792,000 | 782,000 | 838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 112,000 | 225,000 | 345,000 | 464,000 |
| Interest expense | 9,000 | 20,000 | 29,000 | 41,000 |
| Net interest income | 103,000 | 205,000 | 316,000 | 423,000 |
| Noninterest income | 22,000 | 41,000 | 59,000 | 76,000 |
| Noninterest expense | 138,000 | 275,000 | 413,000 | 534,000 |
| Provision for loan losses | 1,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | -14,000 | -31,000 | -40,000 | -37,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | -31,000 | -40,000 | -37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 842,000 | 825,000 | 816,000 | 869,000 |
| Total capital | 915,000 | 895,000 | 886,000 | 939,000 |
| Risk-weighted assets | 5,841,000 | 5,591,000 | 5,588,000 | 5,595,000 |