Call reports 2012
GARNAVILLO SAVINGS BANK, THE — 2012
What GARNAVILLO SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 37,158,000 | 37,623,000 | 36,997,000 | 39,296,000 |
| Total loans | 31,610,000 | 27,135,000 | 27,917,000 | 29,781,000 |
| Allowance for loan losses | 414,000 | 417,000 | 474,000 | 474,000 |
| Securities available for sale | 3,399,000 | 3,595,000 | 4,051,000 | 3,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,105,000 | 33,613,000 | 32,853,000 | 35,096,000 |
| Interest-bearing deposits | 27,608,000 | 28,492,000 | 23,674,000 | 27,681,000 |
| Noninterest-bearing deposits | 5,497,000 | 5,121,000 | 9,179,000 | 7,415,000 |
| Equity capital | 3,804,000 | 3,953,000 | 4,086,000 | 4,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 477,000 | 923,000 | 1,374,000 | 1,802,000 |
| Interest expense | 89,000 | 171,000 | 250,000 | 325,000 |
| Net interest income | 388,000 | 752,000 | 1,124,000 | 1,477,000 |
| Noninterest income | 55,000 | 94,000 | 133,000 | 171,000 |
| Noninterest expense | 272,000 | 519,000 | 795,000 | 1,102,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 131,000 | 287,000 | 422,000 | 506,000 |
| Income tax | 8,000 | 14,000 | 21,000 | 26,000 |
| Net income | 123,000 | 273,000 | 401,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,652,000 | 3,801,000 | 3,930,000 | 4,009,000 |
| Total capital | 4,016,000 | 4,135,000 | 4,269,000 | 4,372,000 |
| Risk-weighted assets | 29,081,000 | 26,607,000 | 27,023,000 | 28,894,000 |