Call reports 2003
GARNAVILLO SAVINGS BANK, THE — 2003
What GARNAVILLO SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,017,000 | 26,454,000 | 25,208,000 | 25,294,000 |
| Total loans | 14,057,000 | 14,955,000 | 15,145,000 | 14,887,000 |
| Allowance for loan losses | 226,000 | 216,000 | 217,000 | 216,000 |
| Securities available for sale | 8,332,000 | 8,313,000 | 7,171,000 | 6,942,000 |
| Securities held to maturity | 409,000 | 701,000 | 699,000 | 693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,059,000 | 21,633,000 | 20,932,000 | 22,515,000 |
| Interest-bearing deposits | 18,506,000 | 18,809,000 | 18,125,000 | 19,598,000 |
| Noninterest-bearing deposits | 2,553,000 | 2,824,000 | 2,807,000 | 2,917,000 |
| Equity capital | 3,274,000 | 3,382,000 | 3,406,000 | 2,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 344,000 | 718,000 | 1,065,000 | 1,523,000 |
| Interest expense | 119,000 | 228,000 | 324,000 | 415,000 |
| Net interest income | 225,000 | 490,000 | 741,000 | 1,108,000 |
| Noninterest income | 20,000 | 39,000 | 66,000 | 248,000 |
| Noninterest expense | 219,000 | 427,000 | 652,000 | 836,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 197,000 |
| Pretax income | 26,000 | 72,000 | 125,000 | 211,000 |
| Income tax | 2,000 | 13,000 | 20,000 | 43,000 |
| Net income | 24,000 | 59,000 | 105,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,203,000 | 3,239,000 | 3,285,000 | 2,579,000 |
| Total capital | 3,429,000 | 3,455,000 | 3,502,000 | 2,795,000 |
| Risk-weighted assets | 20,713,000 | 19,068,000 | 18,832,000 | 17,523,000 |
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