Call reports 2021
GSL SAVINGS BANK — 2021
What GSL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 121,058,000 | 118,390,000 | 119,909,000 | 122,839,000 |
| Total loans | 90,491,000 | 90,940,000 | 90,430,000 | 88,134,000 |
| Allowance for loan losses | 791,000 | 806,000 | 776,000 | 776,000 |
| Securities available for sale | 5,537,000 | 7,491,000 | 7,362,000 | 7,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,210,000 | 93,610,000 | 97,138,000 | 100,199,000 |
| Interest-bearing deposits | 89,723,000 | 86,079,000 | 89,679,000 | 92,549,000 |
| Noninterest-bearing deposits | 6,487,000 | 7,531,000 | 7,459,000 | 7,650,000 |
| Equity capital | 11,929,000 | 11,939,000 | 11,994,000 | 12,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,700,000 | 2,582,000 | 3,491,000 |
| Interest expense | 223,000 | 415,000 | 571,000 | 712,000 |
| Net interest income | 615,000 | 1,285,000 | 2,011,000 | 2,779,000 |
| Noninterest income | 30,000 | 59,000 | 89,000 | 118,000 |
| Noninterest expense | 664,000 | 1,393,000 | 2,077,000 | 2,800,000 |
| Provision for loan losses | 15,000 | 30,000 | 0 | 0 |
| Pretax income | -34,000 | -79,000 | 23,000 | 97,000 |
| Income tax | -13,000 | -28,000 | -10,000 | 9,000 |
| Net income | -21,000 | -51,000 | 33,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,494,000 | 11,464,000 | 11,561,000 | 11,616,000 |
| Total capital | 12,048,000 | 12,028,000 | 12,104,000 | 12,159,000 |
| Risk-weighted assets | 74,039,000 | 73,425,000 | 73,401,000 | 76,655,000 |
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