Call reports 2002
GEAUGA SAVINGS BANK — 2002
What GEAUGA SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 194,078,000 | 206,449,000 | 217,801,000 | 232,494,000 |
| Total loans | 115,277,000 | 116,031,000 | 119,892,000 | 123,112,000 |
| Allowance for loan losses | 1,389,000 | 1,383,000 | 1,321,000 | 1,259,000 |
| Securities available for sale | 71,053,000 | 77,546,000 | 85,436,000 | 95,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,741,000 | 83,562,000 | 92,317,000 | 98,658,000 |
| Interest-bearing deposits | 83,375,000 | 80,686,000 | 88,802,000 | 95,103,000 |
| Noninterest-bearing deposits | 2,366,000 | 2,876,000 | 3,515,000 | 3,555,000 |
| Equity capital | 13,320,000 | 15,499,000 | 16,343,000 | 17,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,613,000 | 7,275,000 | 10,991,000 | 14,444,000 |
| Interest expense | 1,852,000 | 3,659,000 | 5,426,000 | 7,218,000 |
| Net interest income | 1,761,000 | 3,616,000 | 5,565,000 | 7,226,000 |
| Noninterest income | -19,000 | 18,000 | -14,000 | -7,000 |
| Noninterest expense | 709,000 | 1,401,000 | 2,185,000 | 3,076,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,033,000 | 2,233,000 | 4,613,000 | 4,272,000 |
| Income tax | 351,000 | 759,000 | 1,568,000 | 1,453,000 |
| Net income | 682,000 | 1,474,000 | 3,045,000 | 2,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,388,000 | 14,179,000 | 15,749,000 | 15,525,000 |
| Total capital | 14,509,000 | 15,337,000 | 17,037,000 | 16,784,000 |
| Risk-weighted assets | 89,412,000 | 92,429,000 | 102,978,000 | 114,116,000 |