Call reports 2010
GSL SAVINGS BANK — 2010
What GSL SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 91,457,000 | 93,471,000 | 93,416,000 | 91,930,000 |
| Total loans | 31,647,000 | 31,393,000 | 32,825,000 | 31,143,000 |
| Allowance for loan losses | 379,000 | 382,000 | 411,000 | 414,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 50,635,000 | 48,467,000 | 51,416,000 | 53,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,563,000 | 78,483,000 | 78,349,000 | 76,854,000 |
| Interest-bearing deposits | 73,168,000 | 75,015,000 | 74,991,000 | 73,177,000 |
| Noninterest-bearing deposits | 3,395,000 | 3,468,000 | 3,358,000 | 3,677,000 |
| Equity capital | 14,156,000 | 14,264,000 | 14,317,000 | 14,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,013,000 | 2,029,000 | 2,996,000 | 3,957,000 |
| Interest expense | 288,000 | 553,000 | 801,000 | 1,030,000 |
| Net interest income | 725,000 | 1,476,000 | 2,195,000 | 2,927,000 |
| Noninterest income | 21,000 | 44,000 | 66,000 | 86,000 |
| Noninterest expense | 610,000 | 1,263,000 | 1,911,000 | 2,617,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 133,000 | 251,000 | 341,000 | 384,000 |
| Income tax | 54,000 | 100,000 | 137,000 | 154,000 |
| Net income | 79,000 | 151,000 | 204,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,157,000 | 14,438,000 | 14,282,000 | 14,308,000 |
| Total capital | 14,536,000 | 14,820,000 | 14,693,000 | 14,714,000 |
| Risk-weighted assets | 37,975,000 | 41,887,000 | 33,484,000 | 32,453,000 |
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