Call reports 2024
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2024
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 204,131,000 | 195,489,000 | 197,664,000 | 197,143,000 |
| Total loans | 124,784,000 | 124,174,000 | 125,320,000 | 125,986,000 |
| Allowance for loan losses | 1,062,000 | 1,060,000 | 1,063,000 | 1,059,000 |
| Securities available for sale | 47,902,000 | 43,744,000 | 45,348,000 | 43,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 69,000 | 41,000 | 9,000 | 0 |
| Total deposits | 165,905,000 | 157,153,000 | 162,825,000 | 163,355,000 |
| Interest-bearing deposits | 145,472,000 | 136,531,000 | 142,927,000 | 144,924,000 |
| Noninterest-bearing deposits | 20,433,000 | 20,622,000 | 19,898,000 | 18,431,000 |
| Equity capital | 29,246,000 | 29,276,000 | 30,399,000 | 29,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,154,000 | 4,314,000 | 6,469,000 | 8,649,000 |
| Interest expense | 337,000 | 724,000 | 1,094,000 | 1,539,000 |
| Net interest income | 1,817,000 | 3,590,000 | 5,375,000 | 7,110,000 |
| Noninterest income | 170,000 | 358,000 | 581,000 | 838,000 |
| Noninterest expense | 1,798,000 | 3,533,000 | 5,366,000 | 7,152,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 21,000 |
| Pretax income | 189,000 | 428,000 | 603,000 | 794,000 |
| Income tax | -17,000 | -23,000 | -45,000 | -46,000 |
| Net income | 206,000 | 451,000 | 648,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,098,000 | 25,402,000 | 25,713,000 | 26,005,000 |
| Total capital | 26,191,000 | 26,492,000 | 26,800,000 | 27,089,000 |
| Risk-weighted assets | 110,329,000 | 110,399,000 | 110,463,000 | 110,808,000 |
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