Call reports 2012
GEAUGA SAVINGS BANK — 2012
What GEAUGA SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 409,202,000 | 402,518,000 | 391,948,000 | 392,412,000 |
| Total loans | 212,103,000 | 205,153,000 | 198,391,000 | 194,415,000 |
| Allowance for loan losses | 6,449,000 | 6,101,000 | 6,065,000 | 5,850,000 |
| Securities available for sale | 175,578,000 | 177,499,000 | 173,863,000 | 174,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,496,000 | 240,428,000 | 230,966,000 | 230,940,000 |
| Interest-bearing deposits | 243,796,000 | 235,948,000 | 227,120,000 | 226,460,000 |
| Noninterest-bearing deposits | 3,700,000 | 4,480,000 | 3,846,000 | 4,480,000 |
| Equity capital | 44,330,000 | 44,719,000 | 44,986,000 | 44,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,313,000 | 8,435,000 | 12,334,000 | 16,000,000 |
| Interest expense | 1,376,000 | 2,588,000 | 3,753,000 | 4,874,000 |
| Net interest income | 2,937,000 | 5,847,000 | 8,581,000 | 11,126,000 |
| Noninterest income | -497,000 | -1,080,000 | -1,471,000 | -1,662,000 |
| Noninterest expense | 1,911,000 | 4,040,000 | 5,950,000 | 7,966,000 |
| Provision for loan losses | 91,000 | 226,000 | 1,251,000 | 2,293,000 |
| Pretax income | 1,193,000 | 1,614,000 | 1,397,000 | 1,380,000 |
| Income tax | 406,000 | 549,000 | 475,000 | 470,000 |
| Net income | 787,000 | 1,065,000 | 922,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,881,000 | 44,159,000 | 44,016,000 | 43,645,000 |
| Total capital | 46,467,000 | 46,682,000 | 46,467,000 | 46,067,000 |
| Risk-weighted assets | 203,043,000 | 198,262,000 | 192,442,000 | 190,348,000 |