Call reports 2004
GREENFIELD SAVINGS BANK — 2004
What GREENFIELD SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 466,397,000 | 484,142,000 | 494,512,000 | 490,296,000 |
| Total loans | 247,233,000 | 256,586,000 | 280,620,000 | 296,403,000 |
| Allowance for loan losses | 1,716,000 | 1,717,000 | 1,718,000 | 1,691,000 |
| Securities available for sale | 188,921,000 | 194,765,000 | 181,759,000 | 160,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,105,000 | 377,915,000 | 387,328,000 | 385,870,000 |
| Interest-bearing deposits | 354,826,000 | 367,003,000 | 376,136,000 | 372,553,000 |
| Noninterest-bearing deposits | 9,279,000 | 10,912,000 | 11,192,000 | 13,317,000 |
| Equity capital | 49,582,000 | 47,848,000 | 49,459,000 | 49,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,198,000 | 10,475,000 | 16,035,000 | 21,439,000 |
| Interest expense | 1,751,000 | 3,472,000 | 5,222,000 | 7,025,000 |
| Net interest income | 3,447,000 | 7,003,000 | 10,813,000 | 14,414,000 |
| Noninterest income | 607,000 | 1,274,000 | 1,889,000 | 2,672,000 |
| Noninterest expense | 3,156,000 | 6,282,000 | 9,450,000 | 12,714,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 898,000 | 1,996,000 | 3,319,000 | 4,541,000 |
| Income tax | 262,000 | 600,000 | 993,000 | 1,344,000 |
| Net income | 636,000 | 1,396,000 | 2,326,000 | 3,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,914,000 | 47,675,000 | 48,053,000 | 48,944,000 |
| Total capital | 48,630,000 | 49,392,000 | 49,771,000 | 50,635,000 |
| Risk-weighted assets | 271,929,000 | 276,248,000 | 286,293,000 | 291,591,000 |