Call reports 2019
TOWANDA STATE BANK — 2019
What TOWANDA STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 10,428,000 | 10,340,000 | 10,163,000 | 10,263,000 |
| Total loans | 7,303,000 | 7,100,000 | 7,256,000 | 7,270,000 |
| Allowance for loan losses | 108,000 | 107,000 | 161,000 | 161,000 |
| Securities available for sale | 1,317,000 | 1,542,000 | 1,445,000 | 1,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,343,000 | 9,342,000 | 9,160,000 | 8,769,000 |
| Interest-bearing deposits | 7,144,000 | 7,319,000 | 7,283,000 | 7,056,000 |
| Noninterest-bearing deposits | 2,199,000 | 2,023,000 | 1,877,000 | 1,713,000 |
| Equity capital | 829,000 | 841,000 | 645,000 | 659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 114,000 | 230,000 | 340,000 | 456,000 |
| Interest expense | 15,000 | 31,000 | 47,000 | 64,000 |
| Net interest income | 99,000 | 199,000 | 293,000 | 392,000 |
| Noninterest income | 13,000 | 29,000 | 44,000 | 55,000 |
| Noninterest expense | 129,000 | 252,000 | 435,000 | 552,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 125,000 |
| Pretax income | -17,000 | -24,000 | -223,000 | -210,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -17,000 | -24,000 | -223,000 | -210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 852,000 | 844,000 | 646,000 | 659,000 |
| Total capital | 923,000 | 915,000 | 717,000 | 729,000 |
| Risk-weighted assets | 5,646,000 | 5,649,000 | 5,649,000 | 5,572,000 |