Call reports 2018
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2018
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 132,850,000 | 132,066,000 | 131,831,000 | 130,613,000 |
| Total loans | 98,504,000 | 97,152,000 | 96,405,000 | 95,527,000 |
| Allowance for loan losses | 876,000 | 836,000 | 776,000 | 771,000 |
| Securities available for sale | 16,986,000 | 16,787,000 | 15,622,000 | 15,028,000 |
| Securities held to maturity | 7,000 | 6,000 | 5,000 | 5,000 |
| Trading assets | 645,000 | 779,000 | 832,000 | 315,000 |
| Total deposits | 82,795,000 | 84,856,000 | 85,137,000 | 83,697,000 |
| Interest-bearing deposits | 72,811,000 | 74,133,000 | 73,188,000 | 72,826,000 |
| Noninterest-bearing deposits | 9,984,000 | 10,723,000 | 11,949,000 | 10,871,000 |
| Equity capital | 29,551,000 | 29,941,000 | 29,937,000 | 30,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,512,000 | 3,050,000 | 4,336,000 | 5,765,000 |
| Interest expense | 211,000 | 426,000 | 389,000 | 526,000 |
| Net interest income | 1,301,000 | 2,624,000 | 3,947,000 | 5,239,000 |
| Noninterest income | 546,000 | 857,000 | 1,076,000 | 789,000 |
| Noninterest expense | 1,194,000 | 2,346,000 | 3,508,000 | 4,685,000 |
| Provision for loan losses | 30,000 | 35,000 | 35,000 | 45,000 |
| Pretax income | 623,000 | 1,100,000 | 1,514,000 | 1,332,000 |
| Income tax | 97,000 | 168,000 | 234,000 | 169,000 |
| Net income | 526,000 | 932,000 | 1,280,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,236,000 | 29,631,000 | 29,822,000 | 29,699,000 |
| Total capital | 30,112,000 | 30,467,000 | 30,598,000 | 30,470,000 |
| Risk-weighted assets | 81,424,000 | 80,670,000 | 80,131,000 | 79,678,000 |