Call reports 2022
TIOGA-FRANKLIN SAVINGS BANK — 2022
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 60,406,000 | 57,893,000 | 63,409,000 | 66,257,000 |
| Total loans | 48,148,000 | 47,305,000 | 55,669,000 | 59,415,000 |
| Allowance for loan losses | 1,291,000 | 1,256,000 | 1,271,000 | 1,288,000 |
| Securities available for sale | 607,000 | 550,000 | 515,000 | 480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,898,000 | 46,899,000 | 52,920,000 | 55,798,000 |
| Interest-bearing deposits | 47,740,000 | 46,644,000 | 52,587,000 | 55,290,000 |
| Noninterest-bearing deposits | 158,000 | 255,000 | 333,000 | 508,000 |
| Equity capital | 6,516,000 | 6,502,000 | 6,518,000 | 6,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 856,000 | 1,682,000 | 2,544,000 | 3,595,000 |
| Interest expense | 178,000 | 359,000 | 609,000 | 884,000 |
| Net interest income | 678,000 | 1,323,000 | 1,935,000 | 2,711,000 |
| Noninterest income | 24,000 | 52,000 | 86,000 | 124,000 |
| Noninterest expense | 520,000 | 1,180,000 | 1,784,000 | 2,567,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 168,000 | 166,000 | 196,000 | 217,000 |
| Income tax | 31,000 | 35,000 | 44,000 | 50,000 |
| Net income | 137,000 | 131,000 | 152,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,511,000 | 6,512,000 | 6,525,000 | 6,540,000 |
| Total capital | 6,962,000 | 6,973,000 | 7,015,000 | 7,085,000 |
| Risk-weighted assets | 35,259,000 | 36,123,000 | 38,492,000 | 42,874,000 |