Call reports 2016
GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 538,858,000 | 543,779,000 | 534,751,000 | 538,747,000 |
| Total loans | 489,290,000 | 485,956,000 | 489,274,000 | 496,660,000 |
| Allowance for loan losses | 514,000 | 603,000 | 665,000 | 691,000 |
| Securities available for sale | 4,451,000 | 8,433,000 | 12,439,000 | 12,001,000 |
| Securities held to maturity | 54,000 | 47,000 | 47,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,544,000 | 424,293,000 | 423,547,000 | 426,767,000 |
| Interest-bearing deposits | 409,094,000 | 412,379,000 | 414,885,000 | 415,097,000 |
| Noninterest-bearing deposits | 9,450,000 | 11,914,000 | 8,662,000 | 11,670,000 |
| Equity capital | 79,289,000 | 80,165,000 | 80,883,000 | 81,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,780,000 | 9,510,000 | 14,202,000 | 18,941,000 |
| Interest expense | 1,512,000 | 3,069,000 | 4,772,000 | 6,285,000 |
| Net interest income | 3,268,000 | 6,441,000 | 9,430,000 | 12,656,000 |
| Noninterest income | 31,000 | 89,000 | 202,000 | 303,000 |
| Noninterest expense | 1,610,000 | 3,416,000 | 5,370,000 | 7,512,000 |
| Provision for loan losses | -33,000 | 55,000 | 118,000 | 143,000 |
| Pretax income | 1,722,000 | 3,059,000 | 4,144,000 | 5,304,000 |
| Income tax | 599,000 | 1,055,000 | 1,419,000 | 1,873,000 |
| Net income | 1,123,000 | 2,004,000 | 2,725,000 | 3,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,288,000 | 80,167,000 | 80,887,000 | 81,594,000 |
| Total capital | 79,802,000 | 80,770,000 | 81,552,000 | 82,285,000 |
| Risk-weighted assets | 290,115,000 | 294,837,000 | 294,712,000 | 294,276,000 |