Call reports 2025
TIOGA-FRANKLIN SAVINGS BANK — 2025
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 67,247,000 | 65,070,000 | 71,653,000 | 70,298,000 |
| Total loans | 53,708,000 | 54,208,000 | 56,697,000 | 57,694,000 |
| Allowance for loan losses | 1,196,000 | 1,197,000 | 1,220,000 | 1,143,000 |
| Securities available for sale | 297,000 | 284,000 | 3,616,000 | 3,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,411,000 | 60,773,000 | 67,110,000 | 67,075,000 |
| Interest-bearing deposits | 61,990,000 | 59,867,000 | 65,918,000 | 65,725,000 |
| Noninterest-bearing deposits | 421,000 | 906,000 | 1,192,000 | 1,350,000 |
| Equity capital | 3,968,000 | 3,655,000 | 3,985,000 | 2,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,057,000 | 2,074,000 | 3,150,000 | 4,286,000 |
| Interest expense | 590,000 | 1,151,000 | 1,737,000 | 2,328,000 |
| Net interest income | 467,000 | 923,000 | 1,413,000 | 1,958,000 |
| Noninterest income | 51,000 | 112,000 | 1,150,000 | 1,194,000 |
| Noninterest expense | 1,098,000 | 2,047,000 | 3,109,000 | 4,189,000 |
| Provision for loan losses | 0 | 0 | 22,000 | -54,000 |
| Pretax income | -580,000 | -1,012,000 | -568,000 | -983,000 |
| Income tax | -160,000 | -279,000 | -121,000 | 830,000 |
| Net income | -420,000 | -733,000 | -447,000 | -1,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,987,000 | 2,555,000 | 3,005,000 | 2,574,000 |
| Total capital | 3,563,000 | 3,109,000 | 3,606,000 | 3,184,000 |
| Risk-weighted assets | 45,493,000 | 43,685,000 | 47,497,000 | 48,335,000 |