Call reports 2019
TIOGA-FRANKLIN SAVINGS BANK — 2019
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 40,777,000 | 43,704,000 | 45,305,000 | 43,906,000 |
| Total loans | 37,244,000 | 38,429,000 | 37,692,000 | 38,467,000 |
| Allowance for loan losses | 771,000 | 801,000 | 831,000 | 861,000 |
| Securities available for sale | 1,605,000 | 1,480,000 | 1,390,000 | 1,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,781,000 | 31,826,000 | 34,374,000 | 33,324,000 |
| Interest-bearing deposits | 29,704,000 | 31,239,000 | 33,996,000 | 32,756,000 |
| Noninterest-bearing deposits | 77,000 | 587,000 | 378,000 | 568,000 |
| Equity capital | 4,921,000 | 4,862,000 | 4,918,000 | 4,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,192,000 | 1,851,000 | 2,532,000 |
| Interest expense | 161,000 | 343,000 | 540,000 | 746,000 |
| Net interest income | 423,000 | 849,000 | 1,311,000 | 1,786,000 |
| Noninterest income | 12,000 | 26,000 | 98,000 | 173,000 |
| Noninterest expense | 386,000 | 879,000 | 1,303,000 | 1,775,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 19,000 | -64,000 | 16,000 | 64,000 |
| Income tax | 6,000 | -18,000 | 5,000 | 17,000 |
| Net income | 13,000 | -46,000 | 11,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,901,000 | 4,842,000 | 4,899,000 | 4,935,000 |
| Total capital | 5,231,000 | 5,194,000 | 5,248,000 | 5,297,000 |
| Risk-weighted assets | 26,016,000 | 27,771,000 | 27,512,000 | 28,477,000 |