Call reports 2008
GEAUGA SAVINGS BANK — 2008
What GEAUGA SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 530,388,000 | 492,729,000 | 510,674,000 | 521,545,000 |
| Total loans | 389,984,000 | 377,314,000 | 364,952,000 | 353,550,000 |
| Allowance for loan losses | 5,439,000 | 7,741,000 | 7,979,000 | 8,025,000 |
| Securities available for sale | 122,482,000 | 96,383,000 | 119,141,000 | 135,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,584,000 | 283,105,000 | 299,477,000 | 315,167,000 |
| Interest-bearing deposits | 293,432,000 | 278,341,000 | 295,968,000 | 310,573,000 |
| Noninterest-bearing deposits | 5,152,000 | 4,764,000 | 3,509,000 | 4,594,000 |
| Equity capital | 45,618,000 | 43,701,000 | 42,397,000 | 40,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,675,000 | 16,787,000 | 24,823,000 | 33,006,000 |
| Interest expense | 5,589,000 | 10,250,000 | 14,802,000 | 19,739,000 |
| Net interest income | 3,086,000 | 6,537,000 | 10,021,000 | 13,267,000 |
| Noninterest income | 22,000 | -102,000 | -335,000 | -301,000 |
| Noninterest expense | 1,598,000 | 3,713,000 | 5,567,000 | 7,307,000 |
| Provision for loan losses | 45,000 | 2,546,000 | 3,666,000 | 5,848,000 |
| Pretax income | 1,465,000 | 720,000 | 997,000 | 355,000 |
| Income tax | 498,000 | 245,000 | 339,000 | 883,000 |
| Net income | 967,000 | 475,000 | 658,000 | -528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,573,000 | 44,081,000 | 44,263,000 | 43,078,000 |
| Total capital | 48,596,000 | 47,933,000 | 48,040,000 | 46,770,000 |
| Risk-weighted assets | 320,405,000 | 304,292,000 | 297,966,000 | 291,049,000 |