FDIC Certificate #: 33802 Status: Active Federal Reserve ID: 885579 Date Established: March 31, 1873 WWW:http://www.tiogafranklin.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 9466 FDIC's unique #: 48082 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: July 01, 2000 Last Structure Change Effective Date: October 30, 2006 Last Structure Change Process Date: October 30, 2006 Last Data Update: October 30, 2006 Data Source Date: April 05, 2012
Location
Address: 320 East Girard Avenue, Philadelphia, PA 19125 County: Philadelphia Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Philadelphia Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160) Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77) Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428) Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980) CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980) Core Based Statistical Division: Philadelphia, PA (#37964)
Financial Summary
Total assets: $33.3 mil Equity capital: $3.5 mil Deposits held in domestic offices: $28.4 mil Return on assets (ROA): 0.36% ($0.1 mil) Quarterly return on assets: 0.53% ($0.2 mil) Return on Equity (ROE): 3.45% ($0.1 mil) Quarterly return on equity: 5.03% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.61% ($203.4 mil) Quarterly Pretax return on assets: 0.89% ($296.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
4Total employees (full-time equivalent)
$33,341Total assets
$1,070Cash and due from depository institutions
$1,023Interest-bearing balances
$5,633Securities
$0Federal funds sold & reverse repurchase agreements
$25,159Net loans & leases
$400Loan loss allowance
$0Trading account assets
$355Bank premises and fixed assets
$580Other real estate owned
$0Goodwill and other intangibles
$33,341Life insurance assets
$544All other assets
$29,817Total liabilities and capital
$28,433Total liabilities
$28,104Total deposits
$28,433Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,250Trading liabilities
$0Other borrowed funds
$134Subordinated debt
$3,524All other liabilities
$3,524Total equity capital
$3,524Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$3,524Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$379Income earned, not collected on loans
$0Earning assets
$148Long-term assets (5+ years)
$31,815Average Assets, year-to-date
$23,319Average Assets, quarterly
$32,906Volatile liabilities
$33,361Insider loans
$16,583FHLB advances
$33,263Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,445Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$528Restructured Loans and leases
$246Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,795Total interest income
$594Total interest expense
$1,201Net interest income
$252Provision for loan and lease losses
-$53Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
-$53Additional noninterest income
$702Total noninterest expense
$380Salaries and employee benefits
$47Premises and equipment expense
$275Additional noninterest expense
$194Pre-tax net operating income
$8Securities gains (losses)
$83Applicable income taxes
$119Income before extraordinary items
$0Extraordinary gains - net
$119Net income attributable to bank
$0Net charge-offs
$119Cash dividends
$217Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.74%Yield on earning assets
1.90%Cost of funding earning assets
3.84%Net interest margin
-0.17%Noninterest income to earning assets
2.24%Noninterest expense to earning assets
0.35%Net operating income to assets
0.36%Return on assets (ROA)
0.61%Pretax return on assets
3.45%Return on equity (ROE)
3.45%Retained earnings to average equity (YTD only)
0.85%Net charge-offs to loans
116.13%Credit loss provision to net charge-offs
2.06%Efficiency ratio
61,150Assets per employee
8.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
105.54%Noncurrent assets plus other real estate owned to assets
2.88%Noncurrent loans to loans
1.48%Net loans and leases to deposits
88.49%Net loans and leases to core deposits
90.48%Equity capital to assets
10.57%Core capital (leverage) ratio
10.36%Tier 1 risk-based capital ratio
20.77%Total risk-based capital ratio
Memoranda
$22Average assets
$32,906Average earning assets
$3,451Average equity
$31,288Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
48082
Tioga-Franklin Savings Bank
320 East Girard Avenue, Philadelphia, PA 19125
March 31, 1873
Full Service Brick and Mortar
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