Call reports 2024
TIOGA-FRANKLIN SAVINGS BANK — 2024
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 77,215,000 | 70,620,000 | 72,472,000 | 70,850,000 |
| Total loans | 64,688,000 | 55,295,000 | 54,831,000 | 53,709,000 |
| Allowance for loan losses | 1,436,000 | 1,436,000 | 1,436,000 | 1,196,000 |
| Securities available for sale | 371,000 | 356,000 | 343,000 | 324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,608,000 | 63,379,000 | 65,854,000 | 64,432,000 |
| Interest-bearing deposits | 65,326,000 | 62,931,000 | 65,298,000 | 63,878,000 |
| Noninterest-bearing deposits | 282,000 | 448,000 | 556,000 | 554,000 |
| Equity capital | 5,782,000 | 5,360,000 | 4,715,000 | 4,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,497,000 | 3,597,000 | 4,758,000 |
| Interest expense | 716,000 | 1,359,000 | 2,004,000 | 2,634,000 |
| Net interest income | 552,000 | 1,138,000 | 1,593,000 | 2,124,000 |
| Noninterest income | 505,000 | 657,000 | 742,000 | 791,000 |
| Noninterest expense | 1,058,000 | 2,380,000 | 3,815,000 | 5,070,000 |
| Provision for loan losses | 0 | 0 | 0 | -240,000 |
| Pretax income | -1,000 | -585,000 | -1,480,000 | -1,915,000 |
| Income tax | 0 | -161,000 | -408,000 | -515,000 |
| Net income | -1,000 | -424,000 | -1,072,000 | -1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,539,000 | 4,955,000 | 4,060,000 | 3,567,000 |
| Total capital | 6,084,000 | 5,498,000 | 4,617,000 | 4,145,000 |
| Risk-weighted assets | 42,737,000 | 42,553,000 | 43,703,000 | 45,637,000 |