Call reports 2016
GEAUGA SAVINGS BANK — 2016
What GEAUGA SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 365,951,000 | 367,592,000 | 356,562,000 | 348,755,000 |
| Total loans | 148,672,000 | 148,556,000 | 151,992,000 | 153,474,000 |
| Allowance for loan losses | 3,446,000 | 3,319,000 | 3,214,000 | 3,138,000 |
| Securities available for sale | 205,072,000 | 199,931,000 | 192,259,000 | 176,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,248,000 | 219,995,000 | 200,079,000 | 204,484,000 |
| Interest-bearing deposits | 215,185,000 | 214,952,000 | 194,041,000 | 192,784,000 |
| Noninterest-bearing deposits | 4,063,000 | 5,043,000 | 6,038,000 | 11,700,000 |
| Equity capital | 45,712,000 | 46,973,000 | 47,701,000 | 46,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,357,000 | 6,501,000 | 9,620,000 | 12,791,000 |
| Interest expense | 930,000 | 1,853,000 | 2,771,000 | 3,652,000 |
| Net interest income | 2,427,000 | 4,648,000 | 6,849,000 | 9,139,000 |
| Noninterest income | 148,000 | 102,000 | 153,000 | -179,000 |
| Noninterest expense | 1,444,000 | 2,727,000 | 4,237,000 | 5,755,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,168,000 | 2,284,000 | 3,204,000 | 3,720,000 |
| Income tax | 303,000 | 517,000 | 830,000 | 1,006,000 |
| Net income | 865,000 | 1,767,000 | 2,374,000 | 2,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,002,000 | 47,904,000 | 48,511,000 | 48,933,000 |
| Total capital | 49,393,000 | 50,286,000 | 50,913,000 | 51,352,000 |
| Risk-weighted assets | 190,242,000 | 189,629,000 | 191,348,000 | 192,814,000 |