Call reports 2020
GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION — 2020
What GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 573,667,000 | 582,245,000 | 581,779,000 | 587,587,000 |
| Total loans | 498,897,000 | 493,214,000 | 491,560,000 | 481,010,000 |
| Allowance for loan losses | 544,000 | 577,000 | 617,000 | 571,000 |
| Securities available for sale | 1,497,000 | 1,141,000 | 1,140,000 | 1,135,000 |
| Securities held to maturity | 31,964,000 | 30,620,000 | 37,242,000 | 43,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,091,000 | 422,375,000 | 421,408,000 | 426,703,000 |
| Interest-bearing deposits | 402,865,000 | 406,969,000 | 410,374,000 | 412,176,000 |
| Noninterest-bearing deposits | 11,226,000 | 15,406,000 | 11,034,000 | 14,527,000 |
| Equity capital | 91,452,000 | 92,009,000 | 92,468,000 | 92,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,949,000 | 9,770,000 | 14,415,000 | 19,156,000 |
| Interest expense | 2,212,000 | 4,356,000 | 6,442,000 | 8,416,000 |
| Net interest income | 2,737,000 | 5,414,000 | 7,973,000 | 10,740,000 |
| Noninterest income | 22,000 | 43,000 | 66,000 | 88,000 |
| Noninterest expense | 1,870,000 | 3,914,000 | 5,902,000 | 8,208,000 |
| Provision for loan losses | 26,000 | 57,000 | 98,000 | 52,000 |
| Pretax income | 863,000 | 1,486,000 | 2,039,000 | 2,568,000 |
| Income tax | 166,000 | 278,000 | 374,000 | 472,000 |
| Net income | 697,000 | 1,208,000 | 1,665,000 | 2,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,461,000 | 91,972,000 | 92,429,000 | 92,860,000 |
| Total capital | — | 92,549,000 | — | — |
| Risk-weighted assets | — | 317,129,000 | — | — |