Call reports 2005
GARNAVILLO SAVINGS BANK, THE — 2005
What GARNAVILLO SAVINGS BANK, THE 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 | 26,810,000 | 26,788,000 | 26,738,000 | 26,653,000 |
| Total loans | 16,241,000 | 16,417,000 | 16,948,000 | 16,200,000 |
| Allowance for loan losses | 238,000 | 241,000 | 250,000 | 245,000 |
| Securities available for sale | 9,358,000 | 9,134,000 | 7,538,000 | 8,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,993,000 | 22,436,000 | 21,434,000 | 22,632,000 |
| Interest-bearing deposits | 19,759,000 | 19,278,000 | 18,298,000 | 19,008,000 |
| Noninterest-bearing deposits | 3,234,000 | 3,158,000 | 3,136,000 | 3,624,000 |
| Equity capital | 2,592,000 | 2,732,000 | 2,709,000 | 2,453,000 |
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 | 333,000 | 687,000 | 1,042,000 | 1,433,000 |
| Interest expense | 90,000 | 192,000 | 304,000 | 443,000 |
| Net interest income | 243,000 | 495,000 | 738,000 | 990,000 |
| Noninterest income | 89,000 | 110,000 | 136,000 | 179,000 |
| Noninterest expense | 206,000 | 411,000 | 620,000 | 878,000 |
| Provision for loan losses | -20,000 | -20,000 | -20,000 | -5,000 |
| Pretax income | 145,000 | 215,000 | 208,000 | 231,000 |
| Income tax | -46,000 | -23,000 | -45,000 | -43,000 |
| Net income | 191,000 | 238,000 | 253,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,730,000 | 2,777,000 | 2,792,000 | 2,609,000 |
| Total capital | 2,943,000 | 2,989,000 | 3,000,000 | 2,816,000 |
| Risk-weighted assets | 17,024,000 | 16,967,000 | 16,612,000 | 16,488,000 |
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