Call reports 2003
GEAUGA SAVINGS BANK — 2003
What GEAUGA SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 249,824,000 | 272,285,000 | 290,350,000 | 316,788,000 |
| Total loans | 122,128,000 | 125,625,000 | 127,707,000 | 134,927,000 |
| Allowance for loan losses | 1,266,000 | 1,316,000 | 1,355,000 | 1,371,000 |
| Securities available for sale | 116,069,000 | 127,148,000 | 150,550,000 | 169,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,300,000 | 122,133,000 | 125,826,000 | 145,656,000 |
| Interest-bearing deposits | 109,249,000 | 117,171,000 | 121,650,000 | 137,061,000 |
| Noninterest-bearing deposits | 4,052,000 | 4,962,000 | 4,176,000 | 8,595,000 |
| Equity capital | 17,304,000 | 18,397,000 | 20,100,000 | 23,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,525,000 | 7,085,000 | 10,764,000 | 14,242,000 |
| Interest expense | 1,723,000 | 3,512,000 | 5,304,000 | 7,121,000 |
| Net interest income | 1,802,000 | 3,573,000 | 5,460,000 | 7,121,000 |
| Noninterest income | 27,000 | 161,000 | 252,000 | 1,116,000 |
| Noninterest expense | 944,000 | 2,087,000 | 3,108,000 | 4,159,000 |
| Provision for loan losses | 0 | 57,000 | 93,000 | 124,000 |
| Pretax income | 885,000 | 1,590,000 | 2,800,000 | 4,279,000 |
| Income tax | 301,000 | 541,000 | 952,000 | 1,455,000 |
| Net income | 584,000 | 1,049,000 | 1,848,000 | 2,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,110,000 | 16,575,000 | 19,173,000 | 22,150,000 |
| Total capital | 17,376,000 | 17,891,000 | 20,528,000 | 23,521,000 |
| Risk-weighted assets | 113,383,000 | 122,327,000 | 128,873,000 | 137,069,000 |