Call reports 2020
TIOGA-FRANKLIN SAVINGS BANK — 2020
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 48,353,000 | 89,482,000 | 88,112,000 | 81,789,000 |
| Total loans | 43,933,000 | 79,407,000 | 79,000,000 | 69,699,000 |
| Allowance for loan losses | 876,000 | 1,186,000 | 1,201,000 | 1,216,000 |
| Securities available for sale | 1,635,000 | 1,080,000 | 988,000 | 918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,664,000 | 47,017,000 | 45,586,000 | 45,760,000 |
| Interest-bearing deposits | 33,520,000 | 46,722,000 | 45,195,000 | 45,144,000 |
| Noninterest-bearing deposits | 144,000 | 295,000 | 391,000 | 616,000 |
| Equity capital | 4,961,000 | 4,858,000 | 4,956,000 | 5,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,493,000 | 2,452,000 | 3,570,000 |
| Interest expense | 204,000 | 443,000 | 691,000 | 935,000 |
| Net interest income | 470,000 | 1,050,000 | 1,761,000 | 2,635,000 |
| Noninterest income | 15,000 | 41,000 | 66,000 | 106,000 |
| Noninterest expense | 432,000 | 917,000 | 1,481,000 | 2,019,000 |
| Provision for loan losses | 15,000 | 325,000 | 340,000 | 355,000 |
| Pretax income | 38,000 | -149,000 | 9,000 | 370,000 |
| Income tax | 12,000 | -47,000 | 4,000 | 103,000 |
| Net income | 26,000 | -102,000 | 5,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,961,000 | 4,833,000 | 4,940,000 | 5,202,000 |
| Total capital | 5,373,000 | 5,248,000 | 5,381,000 | 5,651,000 |
| Risk-weighted assets | 32,532,000 | 32,466,000 | 34,532,000 | 35,185,000 |