Tioga-Franklin Savings Bank in Philadelphia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Tioga-Franklin Savings Bank in Philadelphia, Pennsylvania (PA)
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Tioga-Franklin Savings Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    048082Tioga-Franklin Savings Bank320 East Girard Avenue, Philadelphia, PA 19125March 31, 1873Full Service Brick and Mortar

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