Call reports 2009
GARNAVILLO SAVINGS BANK, THE — 2009
What GARNAVILLO SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 31,778,000 | 33,679,000 | 35,191,000 | 37,504,000 |
| Total loans | 23,323,000 | 23,398,000 | 26,869,000 | 27,859,000 |
| Allowance for loan losses | 269,000 | 279,000 | 472,000 | 445,000 |
| Securities available for sale | 7,037,000 | 6,495,000 | 6,381,000 | 6,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,353,000 | 30,588,000 | 32,048,000 | 34,340,000 |
| Interest-bearing deposits | 22,189,000 | 26,776,000 | 27,134,000 | 28,270,000 |
| Noninterest-bearing deposits | 4,164,000 | 3,812,000 | 4,914,000 | 6,070,000 |
| Equity capital | 2,899,000 | 2,987,000 | 3,045,000 | 3,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 905,000 | 1,413,000 | 1,951,000 |
| Interest expense | 126,000 | 262,000 | 400,000 | 528,000 |
| Net interest income | 297,000 | 643,000 | 1,013,000 | 1,423,000 |
| Noninterest income | 23,000 | 48,000 | 78,000 | 147,000 |
| Noninterest expense | 245,000 | 479,000 | 732,000 | 1,035,000 |
| Provision for loan losses | 0 | 10,000 | 255,000 | 255,000 |
| Pretax income | 75,000 | 202,000 | 104,000 | 280,000 |
| Income tax | 5,000 | 10,000 | 5,000 | 12,000 |
| Net income | 70,000 | 192,000 | 99,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,927,000 | 3,009,000 | 2,916,000 | 3,020,000 |
| Total capital | 3,196,000 | 3,288,000 | 3,249,000 | 3,358,000 |
| Risk-weighted assets | 23,363,000 | 23,541,000 | 26,495,000 | 26,919,000 |