Call reports 2012
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2012
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 147,454,000 | 147,204,000 | 146,453,000 | 148,600,000 |
| Total loans | 113,668,000 | 113,859,000 | 114,304,000 | 116,644,000 |
| Allowance for loan losses | 782,000 | 820,000 | 943,000 | 969,000 |
| Securities available for sale | 17,972,000 | 17,948,000 | 18,466,000 | 18,208,000 |
| Securities held to maturity | 20,000 | 19,000 | 19,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,661,000 | 92,130,000 | 91,024,000 | 90,728,000 |
| Interest-bearing deposits | 83,212,000 | 84,811,000 | 83,172,000 | 83,720,000 |
| Noninterest-bearing deposits | 6,449,000 | 7,319,000 | 7,852,000 | 7,008,000 |
| Equity capital | 24,824,000 | 25,207,000 | 25,563,000 | 25,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,980,000 | 3,882,000 | 5,772,000 | 7,655,000 |
| Interest expense | 308,000 | 593,000 | 874,000 | 1,144,000 |
| Net interest income | 1,672,000 | 3,289,000 | 4,898,000 | 6,511,000 |
| Noninterest income | 219,000 | 445,000 | 677,000 | 811,000 |
| Noninterest expense | 1,097,000 | 2,139,000 | 3,176,000 | 4,264,000 |
| Provision for loan losses | 90,000 | 130,000 | 250,000 | 280,000 |
| Pretax income | 704,000 | 1,465,000 | 2,149,000 | 2,907,000 |
| Income tax | 232,000 | 486,000 | 668,000 | 917,000 |
| Net income | 472,000 | 979,000 | 1,481,000 | 1,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,818,000 | 24,208,000 | 24,317,000 | 24,787,000 |
| Total capital | 24,600,000 | 25,028,000 | 25,260,000 | 25,756,000 |
| Risk-weighted assets | 86,136,000 | 85,797,000 | 86,351,000 | 87,405,000 |