Call reports 2007
GEAUGA SAVINGS BANK — 2007
What GEAUGA SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 592,557,000 | 582,898,000 | 582,252,000 | 530,457,000 |
| Total loans | 386,023,000 | 390,782,000 | 396,563,000 | 394,187,000 |
| Allowance for loan losses | 3,396,000 | 3,425,000 | 3,517,000 | 5,486,000 |
| Securities available for sale | 192,354,000 | 176,301,000 | 172,049,000 | 116,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,211,000 | 341,739,000 | 321,148,000 | 310,799,000 |
| Interest-bearing deposits | 327,737,000 | 336,719,000 | 316,825,000 | 306,196,000 |
| Noninterest-bearing deposits | 3,474,000 | 5,020,000 | 4,323,000 | 4,603,000 |
| Equity capital | 43,313,000 | 42,088,000 | 44,115,000 | 41,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,167,000 | 18,641,000 | 28,115,000 | 37,246,000 |
| Interest expense | 6,782,000 | 13,852,000 | 21,015,000 | 27,691,000 |
| Net interest income | 2,385,000 | 4,789,000 | 7,100,000 | 9,555,000 |
| Noninterest income | 276,000 | 554,000 | 2,355,000 | 1,958,000 |
| Noninterest expense | 1,538,000 | 3,091,000 | 4,738,000 | 7,605,000 |
| Provision for loan losses | 50,000 | 163,000 | 1,032,000 | 5,285,000 |
| Pretax income | 1,206,000 | 2,375,000 | 3,681,000 | -1,356,000 |
| Income tax | 410,000 | 807,000 | 1,251,000 | -461,000 |
| Net income | 796,000 | 1,568,000 | 2,430,000 | -895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,797,000 | 43,567,000 | 44,431,000 | 41,106,000 |
| Total capital | 46,193,000 | 46,992,000 | 47,948,000 | 45,181,000 |
| Risk-weighted assets | 328,560,000 | 335,229,000 | 337,248,000 | 324,573,000 |