Call reports 2021
TIOGA-FRANKLIN SAVINGS BANK — 2021
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 89,419,000 | 74,366,000 | 63,151,000 | 58,704,000 |
| Total loans | 81,412,000 | 64,505,000 | 49,957,000 | 47,318,000 |
| Allowance for loan losses | 1,231,000 | 1,246,000 | 1,261,000 | 1,276,000 |
| Securities available for sale | 857,000 | 781,000 | 730,000 | 660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,668,000 | 48,477,000 | 45,100,000 | 44,748,000 |
| Interest-bearing deposits | 51,435,000 | 48,153,000 | 44,739,000 | 44,230,000 |
| Noninterest-bearing deposits | 233,000 | 324,000 | 361,000 | 518,000 |
| Equity capital | 5,353,000 | 5,604,000 | 6,312,000 | 6,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,077,000 | 2,190,000 | 3,969,000 | 4,892,000 |
| Interest expense | 228,000 | 458,000 | 661,000 | 839,000 |
| Net interest income | 849,000 | 1,732,000 | 3,308,000 | 4,053,000 |
| Noninterest income | 31,000 | 230,000 | 258,000 | 283,000 |
| Noninterest expense | 664,000 | 1,387,000 | 1,995,000 | 2,652,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 201,000 | 546,000 | 1,527,000 | 1,625,000 |
| Income tax | 62,000 | 155,000 | 426,000 | 454,000 |
| Net income | 139,000 | 391,000 | 1,101,000 | 1,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,341,000 | 5,593,000 | 6,302,000 | 6,374,000 |
| Total capital | 5,751,000 | 6,045,000 | 6,744,000 | 6,804,000 |
| Risk-weighted assets | 31,994,000 | 35,432,000 | 34,583,000 | 33,613,000 |