Call reports 2010
GEAUGA SAVINGS BANK — 2010
What GEAUGA SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 460,840,000 | 432,836,000 | 423,169,000 | 423,759,000 |
| Total loans | 292,157,000 | 282,889,000 | 272,119,000 | 257,939,000 |
| Allowance for loan losses | 8,766,000 | 8,604,000 | 9,146,000 | 8,400,000 |
| Securities available for sale | 133,023,000 | 98,916,000 | 123,713,000 | 138,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,073,000 | 253,842,000 | 257,617,000 | 259,264,000 |
| Interest-bearing deposits | 250,329,000 | 249,636,000 | 254,085,000 | 255,653,000 |
| Noninterest-bearing deposits | 3,744,000 | 4,206,000 | 3,532,000 | 3,611,000 |
| Equity capital | 42,739,000 | 43,212,000 | 42,652,000 | 40,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,964,000 | 11,674,000 | 16,964,000 | 22,126,000 |
| Interest expense | 2,645,000 | 4,999,000 | 7,037,000 | 8,951,000 |
| Net interest income | 3,319,000 | 6,675,000 | 9,927,000 | 13,175,000 |
| Noninterest income | -233,000 | -476,000 | -660,000 | -743,000 |
| Noninterest expense | 2,138,000 | 4,711,000 | 6,837,000 | 9,263,000 |
| Provision for loan losses | 842,000 | 2,129,000 | 3,839,000 | 4,462,000 |
| Pretax income | 101,000 | 192,000 | -1,347,000 | -464,000 |
| Income tax | 100,000 | 128,000 | 111,000 | 583,000 |
| Net income | 1,000 | 64,000 | -1,458,000 | -1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,116,000 | 43,175,000 | 41,438,000 | 42,067,000 |
| Total capital | 46,450,000 | 46,439,000 | 44,512,000 | 45,102,000 |
| Risk-weighted assets | 261,297,000 | 255,792,000 | 239,856,000 | 237,426,000 |