Call reports 2005
GEAUGA SAVINGS BANK — 2005
What GEAUGA SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 501,883,000 | 550,989,000 | 569,588,000 | 556,903,000 |
| Total loans | 232,855,000 | 319,121,000 | 340,508,000 | 343,308,000 |
| Allowance for loan losses | 2,710,000 | 3,415,000 | 3,366,000 | 3,717,000 |
| Securities available for sale | 259,018,000 | 219,911,000 | 214,464,000 | 198,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,814,000 | 279,256,000 | 287,932,000 | 259,082,000 |
| Interest-bearing deposits | 268,495,000 | 271,149,000 | 280,099,000 | 249,787,000 |
| Noninterest-bearing deposits | 4,319,000 | 8,107,000 | 7,833,000 | 9,295,000 |
| Equity capital | 32,987,000 | 41,175,000 | 41,152,000 | 40,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,566,000 | 13,613,000 | 21,298,000 | 29,115,000 |
| Interest expense | 3,441,000 | 7,467,000 | 12,174,000 | 17,520,000 |
| Net interest income | 3,125,000 | 6,146,000 | 9,124,000 | 11,595,000 |
| Noninterest income | -125,000 | -82,000 | 32,000 | -98,000 |
| Noninterest expense | 1,260,000 | 2,536,000 | 3,841,000 | 5,722,000 |
| Provision for loan losses | 235,000 | 952,000 | 918,000 | 1,340,000 |
| Pretax income | 1,461,000 | 2,303,000 | 4,100,000 | 4,138,000 |
| Income tax | 497,000 | 783,000 | 1,394,000 | 1,407,000 |
| Net income | 964,000 | 1,520,000 | 2,706,000 | 2,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,533,000 | 41,089,000 | 42,275,000 | 42,300,000 |
| Total capital | 37,056,000 | 44,504,000 | 45,641,000 | 45,589,000 |
| Risk-weighted assets | 201,675,000 | 278,106,000 | 296,108,000 | 262,683,000 |