Call reports 2014
GEAUGA SAVINGS BANK — 2014
What GEAUGA SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 362,166,000 | 365,946,000 | 364,858,000 | 364,104,000 |
| Total loans | 172,802,000 | 172,265,000 | 164,918,000 | 159,893,000 |
| Allowance for loan losses | 4,756,000 | 4,508,000 | 4,230,000 | 3,861,000 |
| Securities available for sale | 177,498,000 | 182,478,000 | 180,722,000 | 191,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,346,000 | 221,556,000 | 221,016,000 | 226,226,000 |
| Interest-bearing deposits | 217,305,000 | 216,541,000 | 214,219,000 | 218,929,000 |
| Noninterest-bearing deposits | 4,041,000 | 5,015,000 | 6,797,000 | 7,297,000 |
| Equity capital | 42,816,000 | 43,864,000 | 44,154,000 | 45,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,214,000 | 6,343,000 | 9,453,000 | 12,349,000 |
| Interest expense | 944,000 | 1,896,000 | 2,857,000 | 3,899,000 |
| Net interest income | 2,270,000 | 4,447,000 | 6,596,000 | 8,450,000 |
| Noninterest income | -109,000 | -93,000 | -126,000 | -43,000 |
| Noninterest expense | 1,829,000 | 3,641,000 | 5,249,000 | 6,572,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 505,000 | 1,114,000 | 1,755,000 |
| Income tax | 170,000 | 209,000 | 236,000 | 193,000 |
| Net income | 99,000 | 296,000 | 878,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,378,000 | 42,553,000 | 43,187,000 | 43,783,000 |
| Total capital | 44,717,000 | 44,902,000 | 45,483,000 | 46,031,000 |
| Risk-weighted assets | 184,742,000 | 185,785,000 | 181,747,000 | 178,252,000 |