Call reports 2018
GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION — 2018
What GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 537,547,000 | 541,276,000 | 531,354,000 | 537,989,000 |
| Total loans | 489,935,000 | 495,845,000 | 498,211,000 | 504,234,000 |
| Allowance for loan losses | 432,000 | 555,000 | 395,000 | 425,000 |
| Securities available for sale | 10,431,000 | 11,218,000 | 5,959,000 | 4,641,000 |
| Securities held to maturity | 1,003,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,203,000 | 419,121,000 | 408,484,000 | 409,371,000 |
| Interest-bearing deposits | 400,778,000 | 406,015,000 | 398,851,000 | 396,915,000 |
| Noninterest-bearing deposits | 10,425,000 | 13,106,000 | 9,633,000 | 12,456,000 |
| Equity capital | 85,738,000 | 86,651,000 | 87,530,000 | 88,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,488,000 | 9,132,000 | 13,851,000 | 18,653,000 |
| Interest expense | 1,467,000 | 3,082,000 | 4,747,000 | 6,577,000 |
| Net interest income | 3,021,000 | 6,050,000 | 9,104,000 | 12,076,000 |
| Noninterest income | -55,000 | 2,000 | 36,000 | 80,000 |
| Noninterest expense | 1,955,000 | 3,902,000 | 5,872,000 | 8,076,000 |
| Provision for loan losses | 0 | 15,000 | 23,000 | -2,000 |
| Pretax income | 1,011,000 | 2,135,000 | 3,245,000 | 4,082,000 |
| Income tax | 212,000 | 435,000 | 656,000 | 823,000 |
| Net income | 799,000 | 1,700,000 | 2,589,000 | 3,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,744,000 | 86,646,000 | 87,534,000 | 88,204,000 |
| Total capital | 86,178,000 | 87,202,000 | 87,929,000 | 88,629,000 |
| Risk-weighted assets | 292,768,000 | 296,513,000 | 295,364,000 | 297,728,000 |