Call reports 2015
TIOGA-FRANKLIN SAVINGS BANK — 2015
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,863,000 | 33,192,000 | 32,953,000 | 33,170,000 |
| Total loans | 25,535,000 | 25,763,000 | 25,771,000 | 25,987,000 |
| Allowance for loan losses | 658,000 | 613,000 | 556,000 | 558,000 |
| Securities available for sale | 5,022,000 | 4,786,000 | 4,123,000 | 3,898,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,019,000 | 26,574,000 | 25,747,000 | 25,028,000 |
| Interest-bearing deposits | 25,903,000 | 26,280,000 | 25,440,000 | 24,581,000 |
| Noninterest-bearing deposits | 115,000 | 294,000 | 307,000 | 447,000 |
| Equity capital | 4,193,000 | 4,230,000 | 4,253,000 | 4,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 389,000 | 761,000 | 1,124,000 | 1,496,000 |
| Interest expense | 81,000 | 164,000 | 248,000 | 328,000 |
| Net interest income | 308,000 | 597,000 | 876,000 | 1,168,000 |
| Noninterest income | 0 | 0 | -2,000 | 0 |
| Noninterest expense | 237,000 | 447,000 | 663,000 | 857,000 |
| Provision for loan losses | 30,000 | 42,000 | 54,000 | 66,000 |
| Pretax income | 41,000 | 108,000 | 157,000 | 245,000 |
| Income tax | 7,000 | 33,000 | 53,000 | 87,000 |
| Net income | 34,000 | 75,000 | 104,000 | 158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,120,000 | 4,160,000 | 4,189,000 | 4,243,000 |
| Total capital | 4,334,000 | 4,380,000 | 4,405,000 | 4,449,000 |
| Risk-weighted assets | 16,736,000 | 17,245,000 | 16,911,000 | 16,115,000 |