Call reports 2006
GEAUGA SAVINGS BANK — 2006
What GEAUGA SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 562,699,000 | 557,262,000 | 573,420,000 | 562,450,000 |
| Total loans | 346,976,000 | 349,056,000 | 373,684,000 | 380,517,000 |
| Allowance for loan losses | 3,556,000 | 3,605,000 | 3,557,000 | 3,386,000 |
| Securities available for sale | 196,534,000 | 187,808,000 | 178,666,000 | 157,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,197,000 | 263,096,000 | 277,297,000 | 301,710,000 |
| Interest-bearing deposits | 259,842,000 | 257,123,000 | 272,840,000 | 296,537,000 |
| Noninterest-bearing deposits | 8,355,000 | 5,973,000 | 4,457,000 | 5,173,000 |
| Equity capital | 40,156,000 | 39,831,000 | 41,844,000 | 42,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,978,000 | 16,203,000 | 24,706,000 | 33,654,000 |
| Interest expense | 5,595,000 | 11,711,000 | 18,304,000 | 25,188,000 |
| Net interest income | 2,383,000 | 4,492,000 | 6,402,000 | 8,466,000 |
| Noninterest income | 50,000 | 105,000 | -174,000 | -449,000 |
| Noninterest expense | 1,367,000 | 2,727,000 | 4,152,000 | 5,651,000 |
| Provision for loan losses | -49,000 | 0 | 0 | 0 |
| Pretax income | 1,115,000 | 1,870,000 | 646,000 | -452,000 |
| Income tax | 379,000 | 636,000 | 220,000 | -154,000 |
| Net income | 736,000 | 1,234,000 | 426,000 | -298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,036,000 | 43,535,000 | 42,726,000 | 42,000,000 |
| Total capital | 46,381,000 | 46,897,000 | 46,248,000 | 45,386,000 |
| Risk-weighted assets | 267,415,000 | 268,719,000 | 282,465,000 | 290,353,000 |