Call reports 2023
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2023
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 205,194,000 | 203,135,000 | 205,593,000 | 205,377,000 |
| Total loans | 125,070,000 | 125,660,000 | 126,050,000 | 125,672,000 |
| Allowance for loan losses | 675,000 | 598,000 | 623,000 | 1,061,000 |
| Securities available for sale | 49,447,000 | 47,229,000 | 46,624,000 | 49,402,000 |
| Securities held to maturity | 1,000 | 1,000 | 0 | 0 |
| Trading assets | 228,000 | 268,000 | 250,000 | 106,000 |
| Total deposits | 166,524,000 | 161,758,000 | 163,825,000 | 164,335,000 |
| Interest-bearing deposits | 149,258,000 | 142,462,000 | 138,745,000 | 142,672,000 |
| Noninterest-bearing deposits | 17,266,000 | 19,296,000 | 25,080,000 | 21,663,000 |
| Equity capital | 25,984,000 | 25,689,000 | 23,584,000 | 29,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,015,000 | 4,064,000 | 6,179,000 | 8,319,000 |
| Interest expense | 56,000 | 243,000 | 527,000 | 859,000 |
| Net interest income | 1,959,000 | 3,821,000 | 5,652,000 | 7,460,000 |
| Noninterest income | 121,000 | 414,000 | 613,000 | 745,000 |
| Noninterest expense | 1,792,000 | 3,654,000 | 5,545,000 | 7,254,000 |
| Provision for loan losses | 47,000 | 77,000 | 107,000 | 177,000 |
| Pretax income | -78,000 | 185,000 | 294,000 | 455,000 |
| Income tax | -65,000 | -52,000 | -41,000 | -58,000 |
| Net income | -13,000 | 237,000 | 335,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,837,000 | 22,008,000 | 21,283,000 | 24,786,000 |
| Total capital | 22,512,000 | 22,606,000 | 21,906,000 | 25,877,000 |
| Risk-weighted assets | 111,777,000 | 112,101,000 | 112,747,000 | 112,481,000 |
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