Call reports 2014
TIOGA-FRANKLIN SAVINGS BANK — 2014
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 33,341,000 | 33,691,000 | 34,007,000 | 33,983,000 |
| Total loans | 26,457,000 | 26,354,000 | 26,026,000 | 26,371,000 |
| Allowance for loan losses | 780,000 | 661,000 | 681,000 | 707,000 |
| Securities available for sale | 5,347,000 | 5,178,000 | 5,318,000 | 4,787,000 |
| Securities held to maturity | 3,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,990,000 | 27,165,000 | 27,232,000 | 26,979,000 |
| Interest-bearing deposits | 26,782,000 | 26,768,000 | 26,964,000 | 26,557,000 |
| Noninterest-bearing deposits | 208,000 | 397,000 | 268,000 | 422,000 |
| Equity capital | 4,027,000 | 4,084,000 | 4,122,000 | 4,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 816,000 | 1,204,000 | 1,596,000 |
| Interest expense | 85,000 | 168,000 | 251,000 | 334,000 |
| Net interest income | 324,000 | 648,000 | 953,000 | 1,262,000 |
| Noninterest income | 0 | 0 | -8,000 | -7,000 |
| Noninterest expense | 217,000 | 403,000 | 600,000 | 795,000 |
| Provision for loan losses | 40,000 | 81,000 | 127,000 | 177,000 |
| Pretax income | 67,000 | 164,000 | 218,000 | 283,000 |
| Income tax | 16,000 | 54,000 | 75,000 | 101,000 |
| Net income | 51,000 | 110,000 | 143,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,953,000 | 4,012,000 | 4,045,000 | 4,085,000 |
| Total capital | 4,173,000 | 4,230,000 | 4,263,000 | 4,311,000 |
| Risk-weighted assets | 17,058,000 | 16,982,000 | 16,938,000 | 17,593,000 |