Call reports 2004
GARNAVILLO SAVINGS BANK, THE — 2004
What GARNAVILLO SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,524,000 | 24,480,000 | 23,948,000 | 25,512,000 |
| Total loans | 15,345,000 | 15,204,000 | 14,688,000 | 15,593,000 |
| Allowance for loan losses | 212,000 | 212,000 | 217,000 | 237,000 |
| Securities available for sale | 7,701,000 | 7,147,000 | 7,262,000 | 8,189,000 |
| Securities held to maturity | 690,000 | 689,000 | 637,000 | 634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,560,000 | 21,696,000 | 21,082,000 | 22,572,000 |
| Interest-bearing deposits | 18,957,000 | 18,900,000 | 18,335,000 | 19,448,000 |
| Noninterest-bearing deposits | 2,603,000 | 2,796,000 | 2,747,000 | 3,124,000 |
| Equity capital | 2,738,000 | 2,655,000 | 2,726,000 | 2,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 318,000 | 646,000 | 954,000 | 1,270,000 |
| Interest expense | 84,000 | 174,000 | 253,000 | 337,000 |
| Net interest income | 234,000 | 472,000 | 701,000 | 933,000 |
| Noninterest income | 23,000 | 47,000 | 68,000 | 97,000 |
| Noninterest expense | 179,000 | 394,000 | 612,000 | 854,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 158,000 | 190,000 | 209,000 |
| Income tax | 22,000 | 39,000 | 49,000 | 39,000 |
| Net income | 74,000 | 119,000 | 141,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,653,000 | 2,698,000 | 2,721,000 | 2,599,000 |
| Total capital | 2,865,000 | 2,900,000 | 2,918,000 | 2,800,000 |
| Risk-weighted assets | 19,302,000 | 16,153,000 | 15,752,000 | 16,027,000 |
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