Call reports 2009
GEAUGA SAVINGS BANK — 2009
What GEAUGA SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 492,599,000 | 469,843,000 | 453,356,000 | 442,916,000 |
| Total loans | 340,059,000 | 325,706,000 | 315,118,000 | 301,967,000 |
| Allowance for loan losses | 9,731,000 | 9,882,000 | 10,107,000 | 8,825,000 |
| Securities available for sale | 48,521,000 | 97,823,000 | 90,865,000 | 106,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,784,000 | 261,833,000 | 246,134,000 | 236,560,000 |
| Interest-bearing deposits | 281,802,000 | 257,937,000 | 242,823,000 | 232,104,000 |
| Noninterest-bearing deposits | 3,982,000 | 3,896,000 | 3,311,000 | 4,456,000 |
| Equity capital | 40,414,000 | 42,224,000 | 42,002,000 | 42,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,799,000 | 14,324,000 | 20,651,000 | 26,760,000 |
| Interest expense | 4,428,000 | 8,356,000 | 11,788,000 | 14,621,000 |
| Net interest income | 3,371,000 | 5,968,000 | 8,863,000 | 12,139,000 |
| Noninterest income | -100,000 | -278,000 | -368,000 | -329,000 |
| Noninterest expense | 1,893,000 | 4,397,000 | 6,625,000 | 8,762,000 |
| Provision for loan losses | 3,259,000 | 4,723,000 | 6,821,000 | 7,586,000 |
| Pretax income | 651,000 | -1,043,000 | -1,803,000 | -900,000 |
| Income tax | -5,000 | -679,000 | -986,000 | -937,000 |
| Net income | 656,000 | -364,000 | -817,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,734,000 | 42,713,000 | 42,261,000 | 43,114,000 |
| Total capital | 47,597,000 | 46,374,000 | 45,744,000 | 46,480,000 |
| Risk-weighted assets | 303,152,000 | 286,683,000 | 272,041,000 | 263,842,000 |