Call reports 2017
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2017
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 137,695,000 | 137,900,000 | 135,923,000 | 134,545,000 |
| Total loans | 101,851,000 | 100,579,000 | 100,540,000 | 100,067,000 |
| Allowance for loan losses | 905,000 | 914,000 | 886,000 | 850,000 |
| Securities available for sale | 18,770,000 | 19,369,000 | 18,028,000 | 17,796,000 |
| Securities held to maturity | 9,000 | 8,000 | 8,000 | 7,000 |
| Trading assets | 124,000 | 81,000 | 84,000 | 284,000 |
| Total deposits | 83,899,000 | 83,655,000 | 84,331,000 | 84,216,000 |
| Interest-bearing deposits | 74,704,000 | 74,134,000 | 72,602,000 | 72,617,000 |
| Noninterest-bearing deposits | 9,195,000 | 9,521,000 | 11,729,000 | 11,599,000 |
| Equity capital | 29,953,000 | 29,573,000 | 29,772,000 | 29,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,524,000 | 3,032,000 | 4,558,000 | 6,080,000 |
| Interest expense | 136,000 | 288,000 | 447,000 | 635,000 |
| Net interest income | 1,388,000 | 2,744,000 | 4,111,000 | 5,445,000 |
| Noninterest income | 159,000 | 339,000 | 531,000 | 918,000 |
| Noninterest expense | 1,183,000 | 2,367,000 | 3,490,000 | 4,599,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 334,000 | 656,000 | 1,118,000 | 1,700,000 |
| Income tax | 53,000 | 104,000 | 201,000 | 847,000 |
| Net income | 281,000 | 552,000 | 917,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,908,000 | 28,348,000 | 28,563,000 | 28,868,000 |
| Total capital | 29,813,000 | 29,262,000 | 29,449,000 | 29,718,000 |
| Risk-weighted assets | 80,596,000 | 81,197,000 | 81,716,000 | 81,471,000 |