Call reports 2019
GSL SAVINGS BANK — 2019
What GSL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 105,169,000 | 105,325,000 | 104,624,000 | 112,122,000 |
| Total loans | 87,723,000 | 89,182,000 | 88,315,000 | 90,987,000 |
| Allowance for loan losses | 731,000 | 731,000 | 731,000 | 731,000 |
| Securities available for sale | 2,072,000 | 2,051,000 | 2,008,000 | 1,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,502,000 | 84,719,000 | 81,154,000 | 88,769,000 |
| Interest-bearing deposits | 78,644,000 | 78,530,000 | 75,097,000 | 82,577,000 |
| Noninterest-bearing deposits | 5,858,000 | 6,189,000 | 6,057,000 | 6,192,000 |
| Equity capital | 11,843,000 | 11,881,000 | 11,930,000 | 11,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,858,000 | 2,803,000 | 3,773,000 |
| Interest expense | 243,000 | 511,000 | 799,000 | 1,098,000 |
| Net interest income | 680,000 | 1,347,000 | 2,004,000 | 2,675,000 |
| Noninterest income | 32,000 | 63,000 | 93,000 | 123,000 |
| Noninterest expense | 613,000 | 1,286,000 | 1,916,000 | 2,608,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 124,000 | 181,000 | 190,000 |
| Income tax | 22,000 | 24,000 | 33,000 | 31,000 |
| Net income | 77,000 | 100,000 | 148,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,064,000 | 11,330,000 | 11,382,000 | 11,396,000 |
| Total capital | 11,565,000 | 11,842,000 | 11,894,000 | 11,908,000 |
| Risk-weighted assets | 61,275,000 | 65,800,000 | 65,987,000 | 69,818,000 |
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