Call reports 2013
GSL SAVINGS BANK — 2013
What GSL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,338,000 | 94,663,000 | 100,235,000 | 101,787,000 |
| Total loans | 28,783,000 | 29,179,000 | 32,318,000 | 31,997,000 |
| Allowance for loan losses | 397,000 | 400,000 | 403,000 | 406,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 60,609,000 | 60,235,000 | 62,173,000 | 62,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,192,000 | 79,529,000 | 79,976,000 | 81,581,000 |
| Interest-bearing deposits | 76,498,000 | 76,112,000 | 76,556,000 | 77,850,000 |
| Noninterest-bearing deposits | 3,694,000 | 3,417,000 | 3,420,000 | 3,731,000 |
| Equity capital | 14,467,000 | 14,435,000 | 14,435,000 | 14,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,513,000 | 2,291,000 | 3,102,000 |
| Interest expense | 171,000 | 342,000 | 513,000 | 688,000 |
| Net interest income | 580,000 | 1,171,000 | 1,778,000 | 2,414,000 |
| Noninterest income | 15,000 | 33,000 | 50,000 | 67,000 |
| Noninterest expense | 626,000 | 1,280,000 | 1,924,000 | 2,533,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | -34,000 | -82,000 | -105,000 | -64,000 |
| Income tax | -11,000 | -27,000 | -50,000 | -36,000 |
| Net income | -23,000 | -55,000 | -55,000 | -28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,555,000 | 14,517,000 | 14,517,000 | 14,544,000 |
| Total capital | 14,952,000 | 14,915,000 | 14,920,000 | 14,950,000 |
| Risk-weighted assets | 31,977,000 | 31,828,000 | 33,897,000 | 33,957,000 |
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