Call reports 2016
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2016
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,306,000 | 140,822,000 | 140,919,000 | 139,014,000 |
| Total loans | 105,598,000 | 103,960,000 | 104,328,000 | 103,366,000 |
| Allowance for loan losses | 896,000 | 849,000 | 878,000 | 916,000 |
| Securities available for sale | 19,573,000 | 19,437,000 | 19,087,000 | 18,321,000 |
| Securities held to maturity | 11,000 | 10,000 | 10,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 96,000 |
| Total deposits | 82,208,000 | 82,763,000 | 84,367,000 | 85,325,000 |
| Interest-bearing deposits | 73,215,000 | 73,385,000 | 74,770,000 | 74,998,000 |
| Noninterest-bearing deposits | 8,993,000 | 9,378,000 | 9,597,000 | 10,327,000 |
| Equity capital | 29,222,000 | 29,849,000 | 29,833,000 | 29,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 3,090,000 | 4,619,000 | 6,146,000 |
| Interest expense | 188,000 | 352,000 | 483,000 | 615,000 |
| Net interest income | 1,364,000 | 2,738,000 | 4,136,000 | 5,531,000 |
| Noninterest income | 94,000 | 255,000 | 506,000 | 825,000 |
| Noninterest expense | 1,171,000 | 2,350,000 | 3,505,000 | 4,621,000 |
| Provision for loan losses | 60,000 | 100,000 | 130,000 | 160,000 |
| Pretax income | 270,000 | 664,000 | 1,128,000 | 1,696,000 |
| Income tax | 36,000 | 111,000 | 272,000 | 408,000 |
| Net income | 234,000 | 553,000 | 856,000 | 1,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,892,000 | 28,184,000 | 28,328,000 | 28,764,000 |
| Total capital | 28,788,000 | 29,033,000 | 29,206,000 | 29,680,000 |
| Risk-weighted assets | 80,544,000 | 81,417,000 | 81,206,000 | 81,372,000 |
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