Call reports 2023
TIOGA-FRANKLIN SAVINGS BANK — 2023
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 67,707,000 | 68,706,000 | 73,517,000 | 72,939,000 |
| Total loans | 61,005,000 | 61,998,000 | 61,970,000 | 62,646,000 |
| Allowance for loan losses | 1,163,000 | 1,168,000 | 1,174,000 | 1,436,000 |
| Securities available for sale | 458,000 | 431,000 | 405,000 | 387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,842,000 | 53,979,000 | 59,529,000 | 60,239,000 |
| Interest-bearing deposits | 52,790,000 | 53,677,000 | 58,965,000 | 59,301,000 |
| Noninterest-bearing deposits | 52,000 | 302,000 | 564,000 | 938,000 |
| Equity capital | 6,664,000 | 6,612,000 | 6,346,000 | 5,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,515,000 | 3,634,000 | 4,966,000 |
| Interest expense | 366,000 | 791,000 | 1,374,000 | 2,012,000 |
| Net interest income | 836,000 | 1,724,000 | 2,260,000 | 2,954,000 |
| Noninterest income | 131,000 | 166,000 | 378,000 | 484,000 |
| Noninterest expense | 935,000 | 1,915,000 | 3,026,000 | 4,334,000 |
| Provision for loan losses | 15,000 | 20,000 | 25,000 | 286,000 |
| Pretax income | 25,000 | -32,000 | -401,000 | -1,170,000 |
| Income tax | 8,000 | -2,000 | -103,000 | -305,000 |
| Net income | 17,000 | -30,000 | -298,000 | -865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,669,000 | 6,611,000 | 6,241,000 | 5,540,000 |
| Total capital | 7,238,000 | 7,186,000 | 6,848,000 | 6,069,000 |
| Risk-weighted assets | 44,965,000 | 45,430,000 | 48,016,000 | 41,484,000 |