Call reports 2005
GREATER COMMUNITY BANK — 2005
What GREATER COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,317,000 | 151,838,000 | 157,852,000 | 154,167,000 |
| Total loans | 98,840,000 | 100,686,000 | 98,771,000 | 97,833,000 |
| Allowance for loan losses | 1,240,000 | 1,303,000 | 1,322,000 | 1,311,000 |
| Securities available for sale | 36,909,000 | 38,096,000 | 38,663,000 | 36,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,805,000 | 114,840,000 | 118,542,000 | 118,165,000 |
| Interest-bearing deposits | 97,413,000 | 99,079,000 | 103,135,000 | 101,121,000 |
| Noninterest-bearing deposits | 15,392,000 | 15,761,000 | 15,407,000 | 17,044,000 |
| Equity capital | 12,473,000 | 13,042,000 | 10,575,000 | 10,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,103,000 | 4,273,000 | 6,541,000 | 8,910,000 |
| Interest expense | 763,000 | 1,568,000 | 2,486,000 | 3,472,000 |
| Net interest income | 1,340,000 | 2,705,000 | 4,055,000 | 5,438,000 |
| Noninterest income | 272,000 | 557,000 | 898,000 | 1,197,000 |
| Noninterest expense | 1,040,000 | 2,060,000 | 3,139,000 | 4,203,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 150,000 |
| Pretax income | 512,000 | 1,083,000 | 1,665,000 | 2,283,000 |
| Income tax | 161,000 | 341,000 | 486,000 | 663,000 |
| Net income | 351,000 | 742,000 | 1,179,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,586,000 | 12,927,000 | 10,607,000 | 11,059,000 |
| Total capital | 13,826,000 | 14,230,000 | 11,929,000 | 12,370,000 |
| Risk-weighted assets | 106,337,000 | 107,701,000 | 108,766,000 | 108,167,000 |
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