Call reports 2014
GARNAVILLO SAVINGS BANK, THE — 2014
What GARNAVILLO SAVINGS BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 38,950,000 | 39,315,000 | 39,973,000 | 41,799,000 |
| Total loans | 30,877,000 | 32,940,000 | 34,487,000 | 37,642,000 |
| Allowance for loan losses | 508,000 | 541,000 | 541,000 | 449,000 |
| Securities available for sale | 3,849,000 | 3,461,000 | 3,025,000 | 2,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,523,000 | 33,287,000 | 33,060,000 | 32,717,000 |
| Interest-bearing deposits | 27,190,000 | 27,441,000 | 26,827,000 | 26,179,000 |
| Noninterest-bearing deposits | 7,333,000 | 5,846,000 | 6,233,000 | 6,538,000 |
| Equity capital | 4,400,000 | 4,550,000 | 4,689,000 | 4,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 403,000 | 848,000 | 1,277,000 | 1,705,000 |
| Interest expense | 64,000 | 125,000 | 180,000 | 230,000 |
| Net interest income | 339,000 | 723,000 | 1,097,000 | 1,475,000 |
| Noninterest income | 45,000 | 75,000 | 118,000 | 170,000 |
| Noninterest expense | 241,000 | 468,000 | 724,000 | 996,000 |
| Provision for loan losses | 60,000 | 100,000 | 100,000 | 165,000 |
| Pretax income | 83,000 | 230,000 | 391,000 | 484,000 |
| Income tax | 3,000 | 11,000 | 19,000 | 24,000 |
| Net income | 80,000 | 219,000 | 372,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,333,000 | 4,457,000 | 4,610,000 | 4,698,000 |
| Total capital | 4,700,000 | 4,849,000 | 5,021,000 | 5,147,000 |
| Risk-weighted assets | 29,191,000 | 31,217,000 | 32,721,000 | 36,467,000 |