Call reports 2019
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2019
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 129,914,000 | 130,571,000 | 125,268,000 | 125,637,000 |
| Total loans | 92,987,000 | 92,744,000 | 91,342,000 | 91,383,000 |
| Allowance for loan losses | 750,000 | 799,000 | 637,000 | 682,000 |
| Securities available for sale | 15,328,000 | 14,248,000 | 17,066,000 | 16,624,000 |
| Securities held to maturity | 5,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,432,000 | 82,530,000 | 80,147,000 | 79,512,000 |
| Interest-bearing deposits | 71,462,000 | 72,319,000 | 70,641,000 | 71,279,000 |
| Noninterest-bearing deposits | 10,970,000 | 10,211,000 | 9,506,000 | 8,233,000 |
| Equity capital | 29,870,000 | 29,821,000 | 29,382,000 | 29,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,436,000 | 2,865,000 | 4,246,000 | 5,580,000 |
| Interest expense | 137,000 | 292,000 | 444,000 | 578,000 |
| Net interest income | 1,299,000 | 2,573,000 | 3,802,000 | 5,002,000 |
| Noninterest income | -137,000 | -570,000 | -747,000 | -275,000 |
| Noninterest expense | 1,190,000 | 2,383,000 | 3,607,000 | 4,825,000 |
| Provision for loan losses | 10,000 | 10,000 | 60,000 | 60,000 |
| Pretax income | -38,000 | -301,000 | -523,000 | -69,000 |
| Income tax | -38,000 | -120,000 | -216,000 | -146,000 |
| Net income | 0 | -181,000 | -307,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,293,000 | 29,103,000 | 28,550,000 | 28,709,000 |
| Total capital | 30,043,000 | 29,902,000 | 29,187,000 | 29,391,000 |
| Risk-weighted assets | 78,107,000 | 78,254,000 | 76,794,000 | 77,798,000 |