Call reports 2015
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2015
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 141,540,000 | 140,792,000 | 139,459,000 | 140,310,000 |
| Total loans | 108,601,000 | 106,901,000 | 105,765,000 | 105,946,000 |
| Allowance for loan losses | 883,000 | 819,000 | 876,000 | 1,019,000 |
| Securities available for sale | 17,725,000 | 17,996,000 | 19,197,000 | 20,260,000 |
| Securities held to maturity | 13,000 | 12,000 | 12,000 | 11,000 |
| Trading assets | 5,000 | 36,000 | 0 | 18,000 |
| Total deposits | 84,892,000 | 84,966,000 | 84,122,000 | 84,251,000 |
| Interest-bearing deposits | 75,411,000 | 75,597,000 | 74,699,000 | 75,459,000 |
| Noninterest-bearing deposits | 9,481,000 | 9,369,000 | 9,423,000 | 8,792,000 |
| Equity capital | 28,200,000 | 28,326,000 | 28,607,000 | 29,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,624,000 | 3,252,000 | 4,762,000 | 6,331,000 |
| Interest expense | 173,000 | 356,000 | 542,000 | 730,000 |
| Net interest income | 1,451,000 | 2,896,000 | 4,220,000 | 5,601,000 |
| Noninterest income | 199,000 | 417,000 | 536,000 | 700,000 |
| Noninterest expense | 1,175,000 | 2,338,000 | 3,395,000 | 4,457,000 |
| Provision for loan losses | 30,000 | 65,000 | 120,000 | 265,000 |
| Pretax income | 445,000 | 910,000 | 1,241,000 | 1,579,000 |
| Income tax | 111,000 | 226,000 | 275,000 | 323,000 |
| Net income | 334,000 | 684,000 | 966,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,117,000 | 27,451,000 | 27,562,000 | 27,843,000 |
| Total capital | 28,000,000 | 28,270,000 | 28,438,000 | 28,862,000 |
| Risk-weighted assets | 82,541,000 | 81,872,000 | 80,763,000 | 80,909,000 |
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