Call reports 2017
TIOGA-FRANKLIN SAVINGS BANK — 2017
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 37,158,000 | 38,676,000 | 37,817,000 | 40,130,000 |
| Total loans | 32,744,000 | 32,540,000 | 32,298,000 | 33,172,000 |
| Allowance for loan losses | 647,000 | 662,000 | 611,000 | 631,000 |
| Securities available for sale | 2,962,000 | 2,795,000 | 2,663,000 | 2,497,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,539,000 | 28,524,000 | 29,756,000 | 31,042,000 |
| Interest-bearing deposits | 28,370,000 | 28,211,000 | 29,334,000 | 30,471,000 |
| Noninterest-bearing deposits | 169,000 | 313,000 | 422,000 | 571,000 |
| Equity capital | 4,669,000 | 4,688,000 | 4,732,000 | 4,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 894,000 | 1,394,000 | 1,912,000 |
| Interest expense | 103,000 | 215,000 | 337,000 | 467,000 |
| Net interest income | 356,000 | 679,000 | 1,057,000 | 1,445,000 |
| Noninterest income | -4,000 | 126,000 | 128,000 | 245,000 |
| Noninterest expense | 282,000 | 677,000 | 988,000 | 1,408,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 65,000 |
| Pretax income | 55,000 | 98,000 | 152,000 | 217,000 |
| Income tax | 19,000 | 43,000 | 56,000 | 66,000 |
| Net income | 36,000 | 55,000 | 96,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,630,000 | 4,650,000 | 4,690,000 | 4,746,000 |
| Total capital | 4,895,000 | 4,923,000 | 4,964,000 | 5,027,000 |
| Risk-weighted assets | 20,854,000 | 21,503,000 | 21,617,000 | 22,205,000 |