Call reports 2005
GREERS FERRY LAKE STATE BANK — 2005
What GREERS FERRY LAKE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,431,000 | 56,651,000 | 52,880,000 | 53,837,000 |
| Total loans | 30,505,000 | 29,637,000 | 29,654,000 | 29,804,000 |
| Allowance for loan losses | 334,000 | 311,000 | 291,000 | 301,000 |
| Securities available for sale | 15,518,000 | 16,621,000 | 15,372,000 | 16,417,000 |
| Securities held to maturity | 766,000 | 756,000 | 743,000 | 632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,975,000 | 44,840,000 | 43,135,000 | 44,208,000 |
| Interest-bearing deposits | 39,796,000 | 38,245,000 | 37,173,000 | 38,818,000 |
| Noninterest-bearing deposits | 5,179,000 | 6,595,000 | 5,962,000 | 5,390,000 |
| Equity capital | 4,614,000 | 4,673,000 | 4,525,000 | 4,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,387,000 | 2,061,000 | 2,765,000 |
| Interest expense | 227,000 | 469,000 | 725,000 | 997,000 |
| Net interest income | 468,000 | 918,000 | 1,336,000 | 1,768,000 |
| Noninterest income | 98,000 | 201,000 | 303,000 | 385,000 |
| Noninterest expense | 313,000 | 671,000 | 1,069,000 | 1,434,000 |
| Provision for loan losses | 60,000 | 130,000 | 175,000 | 185,000 |
| Pretax income | 193,000 | 318,000 | 395,000 | 534,000 |
| Income tax | 59,000 | 119,000 | 178,000 | 170,000 |
| Net income | 134,000 | 199,000 | 217,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,745,000 | 4,739,000 | 4,635,000 | 4,657,000 |
| Total capital | 5,079,000 | 5,050,000 | 4,926,000 | 4,958,000 |
| Risk-weighted assets | 33,249,000 | 33,496,000 | 33,079,000 | 33,844,000 |
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