Call reports 2012
TIOGA-FRANKLIN SAVINGS BANK — 2012
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 33,078,000 | 33,527,000 | 32,841,000 | 33,363,000 |
| Total loans | 26,058,000 | 26,363,000 | 26,218,000 | 26,799,000 |
| Allowance for loan losses | 435,000 | 493,000 | 565,000 | 554,000 |
| Securities available for sale | 5,493,000 | 5,560,000 | 5,670,000 | 5,362,000 |
| Securities held to maturity | 5,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,031,000 | 28,102,000 | 27,076,000 | 27,714,000 |
| Interest-bearing deposits | 27,918,000 | 27,882,000 | 26,834,000 | 27,345,000 |
| Noninterest-bearing deposits | 113,000 | 220,000 | 242,000 | 369,000 |
| Equity capital | 3,572,000 | 3,651,000 | 3,714,000 | 3,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 892,000 | 1,333,000 | 1,764,000 |
| Interest expense | 128,000 | 246,000 | 359,000 | 465,000 |
| Net interest income | 314,000 | 646,000 | 974,000 | 1,299,000 |
| Noninterest income | 0 | -27,000 | -20,000 | -20,000 |
| Noninterest expense | 223,000 | 356,000 | 526,000 | 701,000 |
| Provision for loan losses | 35,000 | 93,000 | 165,000 | 262,000 |
| Pretax income | 56,000 | 170,000 | 263,000 | 316,000 |
| Income tax | 25,000 | 70,000 | 108,000 | 124,000 |
| Net income | 31,000 | 100,000 | 155,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,475,000 | 3,544,000 | 3,599,000 | 3,637,000 |
| Total capital | 3,689,000 | 3,756,000 | 3,809,000 | 3,852,000 |
| Risk-weighted assets | 16,888,000 | 16,673,000 | 16,458,000 | 16,890,000 |
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