Gouverneur Savings and Loan Association

Overview / Commentary

www.gouverneurbank.com

315-287-2600

42 Church Street
Gouverneur, NY 13642

Gouverneur Savings and Loan Association is headquartered in Gouverneur and is the 128^th largest bank in the state of New York. It is also the 3,615^th largest bank in the nation. It was established in 1892 and as of June of 2019, it had grown to 36 employees at 2 locations. Gouverneur Savings and Loan Association has a B+ health rating.

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Health

B+

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	30976
Year Established	1892
Employees	36
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.28%
Return on Equity - YTD	-1.21%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$130.6MM$132.1MM
Loans	Q2 2019vs Q2 2018	$91.9MM$96.3MM
Deposits	Q2 2019vs Q2 2018	$82.5MM$84.9MM
Equity Capital	Q2 2019vs Q2 2018	$29.8MM$29.9MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$799.00K$836.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$1.4MM$1.2MM
Real Estate Owned	Q2 2019vs Q2 2018	$288.00K$760.00K

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gouverneur Savings and Loan Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$10	-	Vacation Club
0.15%	$10	-	Passbook Savings
0.15%	$10	-	Statement Savings
0.15%	$10	-	Christmas Club

Gouverneur Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$10k^*	-	Money Market Checking
OTHER TIERS: 0.15% → Up to $10k

Gouverneur Savings and Loan Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$600	-	Personal Checking With Interest

Gouverneur Savings and Loan Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$2.5k	-	36 Month CD
1.51%	$2.5k	-	48 Month CD
1.11%	$2.5k	-	25 Month CD
1.01%	$1.5k	-	15 Month CD
0.75%	$1k	-	12 Month CD
0.50%	$2.5k	-	6 Month CD
0.50%	$2.5k	-	24 Month CD

Gouverneur Savings and Loan Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.53%	$500	-	36 Month IRA
1.53%	$500	-	48 Month IRA
1.02%	$500	-	15 Month IRA
0.76%	$500	-	12 Month IRA
0.51%	$500	-	24 Month IRA

Locations

Gouverneur Savings and Loan Association Locations
Alexandria Bay Branch	15 Nys Route 12	Alexandria Bay, NY 13607
Gouverneur Savings and Loan Association	42 Church Street	Gouverneur, NY 13642

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