Institution Statistics
| Tioga-Franklin Savings Bank | | FDIC Certificate # | 33802 | | BankRate Report | View | | Year Established | 1873 | | Employees | 4 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $33.08 million | | Loans | $25.62 million | | Deposits | $28.03 million | | Equity Capital | $3.57 million | | Loan Loss Allowance | $435,000 | | Unbacked Noncurrent Loans | $379,000 | | Real Estate Owned | $436,000 |
Historic Data - March 2011 | | Assets | $32.36 million | | Equity Capital | $3.42 million | | Loan Loss Allowance | $404,000 | | Unbacked Noncurrent Loans | $1.03 million | | Real Estate Owned | $472,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.96% | | Return on Assets | 0.37% | | Return on Equity | 3.49% | | Interest Income | $442,000 |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Tioga-Franklin Savings Bank had $815,000 in non-current loans and owned real-estate with $4.01 million in equity and loan loss allowances on hand to cover it. This gives Tioga-Franklin Savings Bank a Texas Ratio of 20.34% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Tioga-Franklin Savings Bank decreased significantly from 39.30% as of March 31, 2011 to 20.34% as of March 31, 2012, resulting in a positive change of 48.24%.This indicates that the balance sheet and financial strength for Tioga-Franklin Savings Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Tioga-Franklin Savings Bank has increased its total deposits by $642,000, resulting in 2.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Tioga-Franklin Savings Bank has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Tioga-Franklin Savings Bank has $33.08 million in assets with $4.01 million in equity, resulting in a capitalization level of 12.11%, which is excellent. |
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