Call reports 2021
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2021
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 128,831,000 | 132,811,000 | 134,729,000 | 132,773,000 |
| Total loans | 86,572,000 | 86,698,000 | 86,967,000 | 88,481,000 |
| Allowance for loan losses | 613,000 | 618,000 | 620,000 | 609,000 |
| Securities available for sale | 21,275,000 | 23,859,000 | 24,614,000 | 24,254,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,315,000 | 98,299,000 | 101,378,000 | 101,057,000 |
| Interest-bearing deposits | 83,231,000 | 84,683,000 | 87,154,000 | 88,661,000 |
| Noninterest-bearing deposits | 12,084,000 | 13,616,000 | 14,224,000 | 12,396,000 |
| Equity capital | 27,277,000 | 27,369,000 | 27,141,000 | 27,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,388,000 | 3,561,000 | 4,727,000 |
| Interest expense | 150,000 | 296,000 | 444,000 | 591,000 |
| Net interest income | 1,053,000 | 2,092,000 | 3,117,000 | 4,136,000 |
| Noninterest income | 867,000 | 1,116,000 | 1,425,000 | 1,856,000 |
| Noninterest expense | 1,211,000 | 2,471,000 | 3,635,000 | 4,828,000 |
| Provision for loan losses | 15,000 | 18,000 | 18,000 | 34,000 |
| Pretax income | 694,000 | 764,000 | 934,000 | 1,175,000 |
| Income tax | 117,000 | 78,000 | 85,000 | 110,000 |
| Net income | 577,000 | 686,000 | 849,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,713,000 | 26,667,000 | 26,623,000 | 26,940,000 |
| Total capital | 27,326,000 | 27,285,000 | 27,243,000 | 27,549,000 |
| Risk-weighted assets | 76,099,000 | 77,799,000 | 77,501,000 | 79,598,000 |
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