Call reports 2013
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2013
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION 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 | 146,239,000 | 145,820,000 | 144,006,000 | 145,337,000 |
| Total loans | 114,334,000 | 111,800,000 | 111,295,000 | 113,115,000 |
| Allowance for loan losses | 994,000 | 1,017,000 | 1,024,000 | 1,038,000 |
| Securities available for sale | 16,426,000 | 15,888,000 | 16,366,000 | 17,443,000 |
| Securities held to maturity | 17,000 | 17,000 | 16,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,239,000 | 94,922,000 | 95,850,000 | 91,785,000 |
| Interest-bearing deposits | 82,939,000 | 85,204,000 | 84,470,000 | 80,356,000 |
| Noninterest-bearing deposits | 8,300,000 | 9,718,000 | 11,380,000 | 11,429,000 |
| Equity capital | 25,561,000 | 25,420,000 | 25,486,000 | 25,839,000 |
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 | 1,859,000 | 3,629,000 | 5,391,000 | 7,114,000 |
| Interest expense | 232,000 | 455,000 | 669,000 | 877,000 |
| Net interest income | 1,627,000 | 3,174,000 | 4,722,000 | 6,237,000 |
| Noninterest income | 221,000 | 454,000 | 700,000 | 931,000 |
| Noninterest expense | 1,101,000 | 2,192,000 | 3,316,000 | 4,451,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 85,000 |
| Pretax income | 764,000 | 1,423,000 | 2,083,000 | 2,680,000 |
| Income tax | 248,000 | 457,000 | 631,000 | 808,000 |
| Net income | 516,000 | 966,000 | 1,452,000 | 1,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,838,000 | 25,204,000 | 25,289,000 | 25,647,000 |
| Total capital | 25,832,000 | 26,221,000 | 26,313,000 | 26,685,000 |
| Risk-weighted assets | 85,564,000 | 84,079,000 | 84,370,000 | 86,311,000 |
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