Call reports 2022
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2022
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 130,086,000 | 130,193,000 | 213,015,000 | 204,781,000 |
| Total loans | 88,357,000 | 88,280,000 | 125,733,000 | 125,184,000 |
| Allowance for loan losses | 607,000 | 625,000 | 621,000 | 634,000 |
| Securities available for sale | 21,402,000 | 20,828,000 | 49,645,000 | 50,067,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 419,000 | 1,051,000 | 615,000 |
| Total deposits | 100,906,000 | 101,807,000 | 184,510,000 | 171,617,000 |
| Interest-bearing deposits | 87,378,000 | 88,335,000 | 158,729,000 | 156,066,000 |
| Noninterest-bearing deposits | 13,528,000 | 13,472,000 | 25,781,000 | 15,551,000 |
| Equity capital | 26,128,000 | 25,341,000 | 24,670,000 | 25,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,304,000 | 3,623,000 | 5,621,000 |
| Interest expense | 134,000 | 240,000 | 292,000 | 296,000 |
| Net interest income | 1,025,000 | 2,064,000 | 3,331,000 | 5,325,000 |
| Noninterest income | 1,007,000 | 1,628,000 | 2,404,000 | 2,509,000 |
| Noninterest expense | 1,302,000 | 2,541,000 | 3,962,000 | 5,679,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 715,000 | 1,121,000 | 1,728,000 | 1,753,000 |
| Income tax | 120,000 | 182,000 | 83,000 | 49,000 |
| Net income | 595,000 | 939,000 | 1,645,000 | 1,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,528,000 | 27,923,000 | 22,041,000 | 21,955,000 |
| Total capital | 28,135,000 | 28,548,000 | 22,662,000 | 22,589,000 |
| Risk-weighted assets | 78,095,000 | 79,938,000 | 113,872,000 | 114,222,000 |