Call reports 2015
GEAUGA SAVINGS BANK — 2015
What GEAUGA SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 357,029,000 | 352,217,000 | 362,132,000 | 366,815,000 |
| Total loans | 155,627,000 | 156,685,000 | 149,174,000 | 151,742,000 |
| Allowance for loan losses | 3,728,000 | 3,386,000 | 3,266,000 | 3,351,000 |
| Securities available for sale | 186,337,000 | 181,866,000 | 193,832,000 | 201,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,268,000 | 212,438,000 | 212,322,000 | 218,618,000 |
| Interest-bearing deposits | 209,574,000 | 205,403,000 | 205,875,000 | 211,250,000 |
| Noninterest-bearing deposits | 5,694,000 | 7,035,000 | 6,447,000 | 7,368,000 |
| Equity capital | 45,734,000 | 45,276,000 | 44,783,000 | 43,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,848,000 | 5,720,000 | 8,756,000 | 11,768,000 |
| Interest expense | 920,000 | 1,823,000 | 2,764,000 | 3,721,000 |
| Net interest income | 1,928,000 | 3,897,000 | 5,992,000 | 8,047,000 |
| Noninterest income | -159,000 | -201,000 | -335,000 | -549,000 |
| Noninterest expense | 1,477,000 | 3,275,000 | 4,752,000 | 6,170,000 |
| Provision for loan losses | 0 | 60,000 | 120,000 | 120,000 |
| Pretax income | 433,000 | 616,000 | 1,240,000 | 1,669,000 |
| Income tax | 37,000 | 156,000 | 275,000 | 253,000 |
| Net income | 396,000 | 460,000 | 965,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,996,000 | 44,846,000 | 45,412,000 | 45,983,000 |
| Total capital | 47,301,000 | 47,162,000 | 47,705,000 | 48,382,000 |
| Risk-weighted assets | 182,956,000 | 184,025,000 | 182,292,000 | 190,911,000 |