Call reports 2019
GEAUGA SAVINGS BANK — 2019
What GEAUGA SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 286,377,000 | 276,736,000 | 274,832,000 | 273,125,000 |
| Total loans | 191,642,000 | 185,398,000 | 183,563,000 | 181,130,000 |
| Allowance for loan losses | 1,761,000 | 1,772,000 | 1,763,000 | 1,659,000 |
| Securities available for sale | 76,430,000 | 78,356,000 | 71,808,000 | 69,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,735,000 | 193,360,000 | 185,795,000 | 184,266,000 |
| Interest-bearing deposits | 185,109,000 | 180,167,000 | 171,668,000 | 168,395,000 |
| Noninterest-bearing deposits | 15,626,000 | 13,193,000 | 14,127,000 | 15,871,000 |
| Equity capital | 41,721,000 | 40,075,000 | 40,733,000 | 40,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,465,000 | 6,935,000 | 10,340,000 | 13,654,000 |
| Interest expense | 1,116,000 | 2,326,000 | 3,544,000 | 4,719,000 |
| Net interest income | 2,349,000 | 4,609,000 | 6,796,000 | 8,935,000 |
| Noninterest income | 16,000 | 84,000 | 175,000 | 227,000 |
| Noninterest expense | 1,632,000 | 3,216,000 | 4,725,000 | 6,895,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 499,000 |
| Pretax income | 260,000 | 1,048,000 | 1,809,000 | 1,336,000 |
| Income tax | 57,000 | 222,000 | 382,000 | 283,000 |
| Net income | 203,000 | 826,000 | 1,427,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,094,000 | 40,216,000 | 40,817,000 | 40,444,000 |
| Total capital | 43,855,000 | 41,988,000 | 42,580,000 | 42,103,000 |
| Risk-weighted assets | 202,153,000 | 194,652,000 | 195,949,000 | 194,196,000 |