Call reports 2004
GEAUGA SAVINGS BANK — 2004
What GEAUGA SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 340,311,000 | 359,242,000 | 410,352,000 | 463,737,000 |
| Total loans | 161,968,000 | 173,372,000 | 200,112,000 | 224,086,000 |
| Allowance for loan losses | 1,732,000 | 2,044,000 | 2,163,000 | 2,509,000 |
| Securities available for sale | 167,113,000 | 173,285,000 | 160,914,000 | 227,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,978,000 | 154,149,000 | 195,919,000 | 222,480,000 |
| Interest-bearing deposits | 136,808,000 | 139,155,000 | 191,553,000 | 217,711,000 |
| Noninterest-bearing deposits | 11,170,000 | 14,994,000 | 4,366,000 | 4,769,000 |
| Equity capital | 26,540,000 | 23,741,000 | 33,337,000 | 33,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,421,000 | 9,374,000 | 14,568,000 | 20,526,000 |
| Interest expense | 1,795,000 | 3,663,000 | 5,936,000 | 8,807,000 |
| Net interest income | 2,626,000 | 5,711,000 | 8,632,000 | 11,719,000 |
| Noninterest income | 43,000 | 128,000 | 11,000 | -23,000 |
| Noninterest expense | 1,051,000 | 2,045,000 | 3,098,000 | 4,186,000 |
| Provision for loan losses | 373,000 | 740,000 | 996,000 | 1,355,000 |
| Pretax income | 3,876,000 | 6,209,000 | 6,611,000 | 8,211,000 |
| Income tax | 1,318,000 | 2,111,000 | 2,248,000 | 2,792,000 |
| Net income | 2,558,000 | 4,098,000 | 4,363,000 | 5,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,707,000 | 26,248,000 | 32,513,000 | 33,569,000 |
| Total capital | 26,439,000 | 28,292,000 | 34,676,000 | 36,041,000 |
| Risk-weighted assets | 156,639,000 | 172,259,000 | 188,924,000 | 197,719,000 |