Call reports 2015
GARNAVILLO SAVINGS BANK, THE — 2015
What GARNAVILLO SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 41,475,000 | 39,988,000 | 40,511,000 |
| Total loans | 37,544,000 | 36,325,000 | 36,525,000 |
| Allowance for loan losses | 449,000 | 569,000 | 596,000 |
| Securities available for sale | 2,973,000 | 2,779,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 31,842,000 | 33,069,000 | 35,269,000 |
| Interest-bearing deposits | 25,736,000 | 27,644,000 | 28,342,000 |
| Noninterest-bearing deposits | 6,106,000 | 5,425,000 | 6,927,000 |
| Equity capital | 4,913,000 | 4,895,000 | 3,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 433,000 | 885,000 | 1,481,000 |
| Interest expense | 50,000 | 136,000 | 186,000 |
| Net interest income | 383,000 | 749,000 | 1,295,000 |
| Noninterest income | 31,000 | 66,000 | 85,000 |
| Noninterest expense | 229,000 | 471,000 | 918,000 |
| Provision for loan losses | 0 | 120,000 | 229,000 |
| Pretax income | 185,000 | 224,000 | 271,000 |
| Income tax | 9,000 | 11,000 | 14,000 |
| Net income | 176,000 | 213,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 4,844,000 | 4,846,000 | 3,239,000 |
| Total capital | 5,286,000 | 5,271,000 | 3,679,000 |
| Risk-weighted assets | 35,318,000 | 33,881,000 | 35,053,000 |