Call reports 2011
GEAUGA SAVINGS BANK — 2011
What GEAUGA SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 418,536,000 | 425,000,000 | 421,885,000 | 418,626,000 |
| Total loans | 248,498,000 | 238,570,000 | 230,955,000 | 218,488,000 |
| Allowance for loan losses | 8,100,000 | 7,711,000 | 7,722,000 | 6,802,000 |
| Securities available for sale | 144,692,000 | 164,808,000 | 160,223,000 | 175,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,462,000 | 261,022,000 | 260,246,000 | 257,787,000 |
| Interest-bearing deposits | 253,415,000 | 256,552,000 | 256,350,000 | 253,877,000 |
| Noninterest-bearing deposits | 4,047,000 | 4,470,000 | 3,896,000 | 3,910,000 |
| Equity capital | 41,104,000 | 43,156,000 | 44,376,000 | 43,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,224,000 | 10,285,000 | 15,022,000 | 19,435,000 |
| Interest expense | 1,696,000 | 3,364,000 | 4,942,000 | 6,467,000 |
| Net interest income | 3,528,000 | 6,921,000 | 10,080,000 | 12,968,000 |
| Noninterest income | -377,000 | -661,000 | -894,000 | -1,341,000 |
| Noninterest expense | 2,120,000 | 4,115,000 | 6,154,000 | 8,150,000 |
| Provision for loan losses | 264,000 | 798,000 | 1,568,000 | 2,409,000 |
| Pretax income | 767,000 | 1,368,000 | 1,639,000 | 1,374,000 |
| Income tax | 142,000 | 346,000 | 390,000 | 347,000 |
| Net income | 625,000 | 1,022,000 | 1,249,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,692,000 | 43,089,000 | 43,317,000 | 43,094,000 |
| Total capital | 45,625,000 | 45,981,000 | 46,113,000 | 45,745,000 |
| Risk-weighted assets | 229,478,000 | 226,545,000 | 218,717,000 | 207,903,000 |