Call reports 2009
TIOGA-FRANKLIN SAVINGS BANK — 2009
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 25,577,000 | 26,858,000 | 28,124,000 | 29,980,000 |
| Total loans | 19,496,000 | 20,982,000 | 22,914,000 | 24,060,000 |
| Allowance for loan losses | 100,000 | 115,000 | 130,000 | 250,000 |
| Securities available for sale | 4,429,000 | 4,339,000 | 4,133,000 | 4,548,000 |
| Securities held to maturity | 9,000 | 9,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,542,000 | 20,800,000 | 22,222,000 | 24,256,000 |
| Interest-bearing deposits | 19,431,000 | 20,619,000 | 22,028,000 | 23,963,000 |
| Noninterest-bearing deposits | 111,000 | 181,000 | 194,000 | 293,000 |
| Equity capital | 3,080,000 | 3,139,000 | 3,206,000 | 3,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 385,000 | 782,000 | 1,194,000 | 1,625,000 |
| Interest expense | 196,000 | 394,000 | 586,000 | 777,000 |
| Net interest income | 189,000 | 388,000 | 608,000 | 848,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 1,000 |
| Noninterest expense | 135,000 | 278,000 | 416,000 | 566,000 |
| Provision for loan losses | 25,000 | 40,000 | 55,000 | 175,000 |
| Pretax income | -4,000 | 52,000 | 119,000 | 89,000 |
| Income tax | 15,000 | 30,000 | 49,000 | 11,000 |
| Net income | -19,000 | 22,000 | 70,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,070,000 | 3,110,000 | 3,158,000 | 3,188,000 |
| Total capital | 3,170,000 | 3,225,000 | 3,288,000 | 3,381,000 |
| Risk-weighted assets | 13,064,000 | 13,984,000 | 14,789,000 | 15,477,000 |
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