Call reports 2018
TIOGA-FRANKLIN SAVINGS BANK — 2018
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 38,429,000 | 39,888,000 | 41,443,000 | 41,060,000 |
| Total loans | 33,049,000 | 34,583,000 | 36,179,000 | 36,574,000 |
| Allowance for loan losses | 651,000 | 681,000 | 711,000 | 741,000 |
| Securities available for sale | 2,240,000 | 2,083,000 | 1,838,000 | 1,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,554,000 | 30,976,000 | 31,228,000 | 30,476,000 |
| Interest-bearing deposits | 29,383,000 | 30,671,000 | 30,869,000 | 29,924,000 |
| Noninterest-bearing deposits | 171,000 | 305,000 | 359,000 | 552,000 |
| Equity capital | 4,767,000 | 4,790,000 | 4,835,000 | 4,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 489,000 | 1,011,000 | 1,585,000 | 2,149,000 |
| Interest expense | 123,000 | 254,000 | 397,000 | 542,000 |
| Net interest income | 366,000 | 757,000 | 1,188,000 | 1,607,000 |
| Noninterest income | 72,000 | 122,000 | 170,000 | 295,000 |
| Noninterest expense | 343,000 | 716,000 | 1,089,000 | 1,498,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 65,000 | 103,000 | 179,000 | 284,000 |
| Income tax | 74,000 | 84,000 | 111,000 | 141,000 |
| Net income | -9,000 | 19,000 | 68,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,736,000 | 4,764,000 | 4,813,000 | 4,888,000 |
| Total capital | 5,021,000 | 5,065,000 | 5,132,000 | 5,215,000 |
| Risk-weighted assets | 22,489,000 | 23,767,000 | 25,138,000 | 25,780,000 |