Call reports 2010
GARNAVILLO SAVINGS BANK, THE — 2010
What GARNAVILLO SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,330,000 | 39,659,000 | 40,099,000 | 39,701,000 |
| Total loans | 31,171,000 | 31,576,000 | 31,230,000 | 31,867,000 |
| Allowance for loan losses | 515,000 | 835,000 | 527,000 | 570,000 |
| Securities available for sale | 5,659,000 | 4,227,000 | 4,062,000 | 3,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,074,000 | 36,546,000 | 36,827,000 | 36,379,000 |
| Interest-bearing deposits | 31,289,000 | 32,318,000 | 31,467,000 | 30,231,000 |
| Noninterest-bearing deposits | 4,785,000 | 4,228,000 | 5,360,000 | 6,148,000 |
| Equity capital | 3,177,000 | 3,036,000 | 3,199,000 | 3,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 537,000 | 1,054,000 | 1,579,000 | 2,114,000 |
| Interest expense | 123,000 | 249,000 | 370,000 | 484,000 |
| Net interest income | 414,000 | 805,000 | 1,209,000 | 1,630,000 |
| Noninterest income | 48,000 | 63,000 | 96,000 | 128,000 |
| Noninterest expense | 305,000 | 547,000 | 812,000 | 1,081,000 |
| Provision for loan losses | 84,000 | 400,000 | 475,000 | 475,000 |
| Pretax income | 73,000 | -79,000 | 18,000 | 202,000 |
| Income tax | 3,000 | 13,000 | 1,000 | 10,000 |
| Net income | 70,000 | -92,000 | 17,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,090,000 | 2,928,000 | 3,037,000 | 3,212,000 |
| Total capital | 3,462,000 | 3,302,000 | 3,416,000 | 3,580,000 |
| Risk-weighted assets | 29,614,000 | 29,465,000 | 30,218,000 | 29,209,000 |