Call reports 2013
GEAUGA SAVINGS BANK — 2013
What GEAUGA SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 400,463,000 | 396,158,000 | 387,088,000 | 369,296,000 |
| Total loans | 187,019,000 | 187,771,000 | 182,659,000 | 178,477,000 |
| Allowance for loan losses | 6,008,000 | 5,518,000 | 5,219,000 | 5,050,000 |
| Securities available for sale | 198,199,000 | 192,307,000 | 189,116,000 | 177,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,251,000 | 239,206,000 | 229,691,000 | 223,715,000 |
| Interest-bearing deposits | 234,462,000 | 234,471,000 | 226,295,000 | 219,486,000 |
| Noninterest-bearing deposits | 3,789,000 | 4,735,000 | 3,396,000 | 4,229,000 |
| Equity capital | 44,547,000 | 42,357,000 | 41,788,000 | 41,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,508,000 | 6,742,000 | 10,182,000 | 13,503,000 |
| Interest expense | 1,085,000 | 2,158,000 | 3,212,000 | 4,216,000 |
| Net interest income | 2,423,000 | 4,584,000 | 6,970,000 | 9,287,000 |
| Noninterest income | -256,000 | -489,000 | -696,000 | -710,000 |
| Noninterest expense | 1,915,000 | 3,971,000 | 5,961,000 | 7,806,000 |
| Provision for loan losses | 1,302,000 | 1,377,000 | 1,752,000 | 2,022,000 |
| Pretax income | -923,000 | -1,068,000 | -1,252,000 | -845,000 |
| Income tax | -44,000 | 26,000 | 0 | 0 |
| Net income | -879,000 | -1,094,000 | -1,252,000 | -845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,954,000 | 42,125,000 | 41,928,000 | 42,310,000 |
| Total capital | 45,513,000 | 44,708,000 | 44,432,000 | 44,735,000 |
| Risk-weighted assets | 201,238,000 | 203,732,000 | 197,625,000 | 191,380,000 |