Call reports 2018
GEAUGA SAVINGS BANK — 2018
What GEAUGA SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 279,741,000 | 264,231,000 | 280,889,000 | 278,103,000 |
| Total loans | 175,612,000 | 180,625,000 | 183,848,000 | 186,035,000 |
| Allowance for loan losses | 2,307,000 | 2,271,000 | 2,008,000 | 2,046,000 |
| Securities available for sale | 85,998,000 | 70,041,000 | 83,466,000 | 77,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,737,000 | 181,676,000 | 206,945,000 | 196,712,000 |
| Interest-bearing deposits | 170,072,000 | 165,445,000 | 185,386,000 | 178,318,000 |
| Noninterest-bearing deposits | 15,665,000 | 16,231,000 | 21,559,000 | 18,394,000 |
| Equity capital | 43,526,000 | 44,978,000 | 40,340,000 | 41,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,088,000 | 6,380,000 | 9,651,000 | 13,002,000 |
| Interest expense | 708,000 | 1,480,000 | 2,364,000 | 3,367,000 |
| Net interest income | 2,380,000 | 4,900,000 | 7,287,000 | 9,635,000 |
| Noninterest income | 92,000 | 194,000 | 189,000 | 198,000 |
| Noninterest expense | 1,573,000 | 3,260,000 | 4,939,000 | 6,809,000 |
| Provision for loan losses | 0 | -864,000 | -864,000 | -864,000 |
| Pretax income | 513,000 | 2,292,000 | 2,995,000 | 3,291,000 |
| Income tax | 108,000 | 482,000 | 631,000 | 744,000 |
| Net income | 405,000 | 1,810,000 | 2,364,000 | 2,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,748,000 | 46,153,000 | 41,707,000 | 41,889,000 |
| Total capital | 47,055,000 | 48,424,000 | 43,715,000 | 43,935,000 |
| Risk-weighted assets | 186,043,000 | 186,888,000 | 188,390,000 | 190,357,000 |