Call reports 2017
GEAUGA SAVINGS BANK — 2017
What GEAUGA SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 346,231,000 | 336,801,000 | 319,013,000 | 299,225,000 |
| Total loans | 160,582,000 | 169,803,000 | 168,543,000 | 170,445,000 |
| Allowance for loan losses | 3,010,000 | 3,023,000 | 3,074,000 | 2,200,000 |
| Securities available for sale | 173,982,000 | 154,326,000 | 133,848,000 | 112,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,489,000 | 198,302,000 | 198,771,000 | 192,215,000 |
| Interest-bearing deposits | 196,061,000 | 188,836,000 | 182,623,000 | 172,245,000 |
| Noninterest-bearing deposits | 8,428,000 | 9,466,000 | 16,148,000 | 19,970,000 |
| Equity capital | 48,026,000 | 49,047,000 | 44,927,000 | 42,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,108,000 | 6,461,000 | 9,631,000 | 12,885,000 |
| Interest expense | 869,000 | 1,766,000 | 2,636,000 | 3,524,000 |
| Net interest income | 2,239,000 | 4,695,000 | 6,995,000 | 9,361,000 |
| Noninterest income | -6,000 | 25,000 | 21,000 | 61,000 |
| Noninterest expense | 1,531,000 | 3,135,000 | 4,615,000 | 6,129,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,000,000 |
| Pretax income | 695,000 | 1,604,000 | 2,450,000 | 4,679,000 |
| Income tax | 223,000 | 533,000 | 821,000 | 1,905,000 |
| Net income | 472,000 | 1,071,000 | 1,629,000 | 2,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,405,000 | 50,003,000 | 45,959,000 | 44,343,000 |
| Total capital | 51,872,000 | 52,500,000 | 48,431,000 | 46,543,000 |
| Risk-weighted assets | 196,829,000 | 199,223,000 | 197,121,000 | 191,632,000 |