Call reports 2005
GREENFIELD SAVINGS BANK — 2005
What GREENFIELD SAVINGS 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 | 501,650,000 | 498,101,000 | 506,668,000 | 506,274,000 |
| Total loans | 302,794,000 | 307,846,000 | 321,902,000 | 328,336,000 |
| Allowance for loan losses | 1,736,000 | 1,783,000 | 1,828,000 | 1,875,000 |
| Securities available for sale | 163,113,000 | 152,883,000 | 145,898,000 | 138,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,397,000 | 373,068,000 | 376,863,000 | 377,980,000 |
| Interest-bearing deposits | 361,857,000 | 362,493,000 | 365,348,000 | 365,956,000 |
| Noninterest-bearing deposits | 11,540,000 | 10,575,000 | 11,515,000 | 12,024,000 |
| Equity capital | 49,307,000 | 50,521,000 | 50,505,000 | 50,912,000 |
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 | 5,602,000 | 11,328,000 | 17,121,000 | 23,034,000 |
| Interest expense | 1,878,000 | 3,922,000 | 6,187,000 | 8,549,000 |
| Net interest income | 3,724,000 | 7,406,000 | 10,934,000 | 14,485,000 |
| Noninterest income | 658,000 | 1,387,000 | 2,118,000 | 2,860,000 |
| Noninterest expense | 3,213,000 | 6,556,000 | 9,842,000 | 13,179,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,137,000 | 2,203,000 | 3,136,000 | 3,968,000 |
| Income tax | 341,000 | 655,000 | 921,000 | 1,129,000 |
| Net income | 796,000 | 1,548,000 | 2,215,000 | 2,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,772,000 | 50,370,000 | 51,041,000 | 51,669,000 |
| Total capital | 51,508,000 | 52,153,000 | 52,869,000 | 53,544,000 |
| Risk-weighted assets | 297,206,000 | 294,668,000 | 300,115,000 | 302,577,000 |