Call reports 2015
GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 524,898,000 | 533,155,000 | 532,678,000 | 538,182,000 |
| Total loans | 496,913,000 | 493,566,000 | 492,175,000 | 492,331,000 |
| Allowance for loan losses | 413,000 | 428,000 | 441,000 | 475,000 |
| Securities available for sale | 2,050,000 | 2,014,000 | 1,984,000 | 1,955,000 |
| Securities held to maturity | 90,000 | 90,000 | 80,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,645,000 | 416,893,000 | 415,496,000 | 419,569,000 |
| Interest-bearing deposits | 401,410,000 | 405,781,000 | 407,867,000 | 408,995,000 |
| Noninterest-bearing deposits | 8,235,000 | 11,112,000 | 7,629,000 | 10,574,000 |
| Equity capital | 74,972,000 | 75,896,000 | 76,819,000 | 78,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,890,000 | 9,787,000 | 14,679,000 | 19,530,000 |
| Interest expense | 1,506,000 | 3,031,000 | 4,590,000 | 6,149,000 |
| Net interest income | 3,384,000 | 6,756,000 | 10,089,000 | 13,381,000 |
| Noninterest income | 72,000 | 138,000 | 196,000 | 255,000 |
| Noninterest expense | 1,709,000 | 3,450,000 | 5,247,000 | 7,146,000 |
| Provision for loan losses | 0 | 204,000 | 324,000 | 150,000 |
| Pretax income | 1,747,000 | 3,240,000 | 4,714,000 | 6,440,000 |
| Income tax | 663,000 | 1,224,000 | 1,772,000 | 2,140,000 |
| Net income | 1,084,000 | 2,016,000 | 2,942,000 | 4,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,972,000 | 75,879,000 | 76,805,000 | 78,163,000 |
| Total capital | 75,385,000 | 76,307,000 | 77,246,000 | 78,638,000 |
| Risk-weighted assets | 279,762,000 | 280,557,000 | 291,244,000 | 291,183,000 |