Call reports 2008
GREENFIELD SAVINGS BANK — 2008
What GREENFIELD SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 557,132,000 | 570,532,000 | 576,744,000 | 596,537,000 |
| Total loans | 375,549,000 | 376,553,000 | 394,964,000 | 405,660,000 |
| Allowance for loan losses | 2,354,000 | 2,438,000 | 2,606,000 | 2,890,000 |
| Securities available for sale | 135,884,000 | 150,375,000 | 141,543,000 | 151,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,071,000 | 379,536,000 | 385,782,000 | 405,711,000 |
| Interest-bearing deposits | 344,004,000 | 360,375,000 | 375,344,000 | 389,812,000 |
| Noninterest-bearing deposits | 23,067,000 | 19,161,000 | 10,438,000 | 15,899,000 |
| Equity capital | 57,449,000 | 56,559,000 | 53,628,000 | 55,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,149,000 | 14,374,000 | 21,698,000 | 29,115,000 |
| Interest expense | 3,751,000 | 7,262,000 | 10,673,000 | 14,143,000 |
| Net interest income | 3,398,000 | 7,112,000 | 11,025,000 | 14,972,000 |
| Noninterest income | 959,000 | 1,952,000 | 2,922,000 | 3,928,000 |
| Noninterest expense | 3,470,000 | 6,994,000 | 10,526,000 | 14,517,000 |
| Provision for loan losses | 99,000 | 232,000 | 422,000 | 722,000 |
| Pretax income | 788,000 | 1,838,000 | -774,000 | -352,000 |
| Income tax | 126,000 | 326,000 | -92,000 | -785,000 |
| Net income | 662,000 | 1,512,000 | -682,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,716,000 | 56,419,000 | 55,348,000 | 54,771,000 |
| Total capital | 58,070,000 | 58,856,000 | 57,954,000 | 57,661,000 |
| Risk-weighted assets | 326,525,000 | 331,257,000 | 337,689,000 | 339,762,000 |