Call reports 2016
TIOGA-FRANKLIN SAVINGS BANK — 2016
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,218,000 | 33,756,000 | 36,170,000 | 36,695,000 |
| Total loans | 26,324,000 | 27,646,000 | 29,935,000 | 31,842,000 |
| Allowance for loan losses | 570,000 | 582,000 | 617,000 | 632,000 |
| Securities available for sale | 3,734,000 | 3,562,000 | 3,344,000 | 3,159,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,014,000 | 25,916,000 | 28,283,000 | 28,915,000 |
| Interest-bearing deposits | 24,785,000 | 25,676,000 | 27,856,000 | 28,429,000 |
| Noninterest-bearing deposits | 229,000 | 240,000 | 427,000 | 486,000 |
| Equity capital | 4,393,000 | 4,449,000 | 4,621,000 | 4,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 380,000 | 776,000 | 1,215,000 | 1,641,000 |
| Interest expense | 87,000 | 175,000 | 274,000 | 374,000 |
| Net interest income | 293,000 | 601,000 | 941,000 | 1,267,000 |
| Noninterest income | 122,000 | 141,000 | 391,000 | 422,000 |
| Noninterest expense | 251,000 | 474,000 | 746,000 | 1,057,000 |
| Provision for loan losses | 12,000 | 24,000 | 59,000 | 74,000 |
| Pretax income | 152,000 | 244,000 | 527,000 | 558,000 |
| Income tax | 50,000 | 85,000 | 194,000 | 206,000 |
| Net income | 102,000 | 159,000 | 333,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,345,000 | 4,401,000 | 4,575,000 | 4,595,000 |
| Total capital | 4,558,000 | 4,622,000 | 4,820,000 | 4,850,000 |
| Risk-weighted assets | 16,702,000 | 17,371,000 | 19,283,000 | 20,092,000 |