Call reports 2014
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2014
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 145,232,000 | 145,275,000 | 144,910,000 | 141,835,000 |
| Total loans | 111,724,000 | 111,215,000 | 111,326,000 | 110,319,000 |
| Allowance for loan losses | 1,030,000 | 1,036,000 | 1,020,000 | 852,000 |
| Securities available for sale | 18,286,000 | 18,967,000 | 19,064,000 | 17,299,000 |
| Securities held to maturity | 15,000 | 14,000 | 14,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,627,000 | 87,944,000 | 85,603,000 | 83,716,000 |
| Interest-bearing deposits | 78,315,000 | 78,441,000 | 76,882,000 | 74,623,000 |
| Noninterest-bearing deposits | 9,312,000 | 9,503,000 | 8,721,000 | 9,093,000 |
| Equity capital | 26,345,000 | 27,028,000 | 27,512,000 | 28,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,431,000 | 5,198,000 | 6,863,000 |
| Interest expense | 201,000 | 383,000 | 562,000 | 735,000 |
| Net interest income | 1,527,000 | 3,048,000 | 4,636,000 | 6,128,000 |
| Noninterest income | 204,000 | 434,000 | 572,000 | 764,000 |
| Noninterest expense | 1,146,000 | 2,267,000 | 3,391,000 | 4,567,000 |
| Provision for loan losses | 25,000 | 50,000 | 65,000 | 85,000 |
| Pretax income | 560,000 | 1,165,000 | 1,829,000 | 2,411,000 |
| Income tax | 157,000 | 332,000 | 499,000 | 667,000 |
| Net income | 403,000 | 833,000 | 1,330,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,809,000 | 26,224,000 | 26,556,000 | 26,954,000 |
| Total capital | 26,839,000 | 27,260,000 | 27,576,000 | 27,806,000 |
| Risk-weighted assets | 85,039,000 | 84,496,000 | 84,886,000 | 84,341,000 |
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