Call reports 2015
GSL SAVINGS BANK — 2015
What GSL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,874,000 | 89,157,000 | 88,620,000 | 91,007,000 |
| Total loans | 77,170,000 | 77,135,000 | 78,273,000 | 79,014,000 |
| Allowance for loan losses | 1,028,000 | 1,031,000 | 1,031,000 | 1,031,000 |
| Securities available for sale | 4,800,000 | 4,730,000 | 4,716,000 | 4,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,166,000 | 76,359,000 | 75,826,000 | 78,191,000 |
| Interest-bearing deposits | 74,167,000 | 72,441,000 | 71,533,000 | 73,888,000 |
| Noninterest-bearing deposits | 3,999,000 | 3,918,000 | 4,293,000 | 4,303,000 |
| Equity capital | 12,255,000 | 12,089,000 | 12,114,000 | 12,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,517,000 | 2,286,000 | 3,082,000 |
| Interest expense | 136,000 | 272,000 | 408,000 | 547,000 |
| Net interest income | 618,000 | 1,245,000 | 1,878,000 | 2,535,000 |
| Noninterest income | 16,000 | 33,000 | 50,000 | 64,000 |
| Noninterest expense | 623,000 | 1,248,000 | 1,878,000 | 2,531,000 |
| Provision for loan losses | 9,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 2,000 | 18,000 | 38,000 | 56,000 |
| Income tax | 1,000 | 7,000 | 15,000 | 22,000 |
| Net income | 1,000 | 11,000 | 23,000 | 34,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,296,000 | 11,188,000 | 11,210,000 | 11,202,000 |
| Total capital | 11,861,000 | 11,754,000 | 11,790,000 | 11,795,000 |
| Risk-weighted assets | 44,767,000 | 44,103,000 | 45,266,000 | 46,276,000 |