Call reports 2003
GREENFIELD BANKING COMPANY — 2003
What GREENFIELD BANKING COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 265,750,000 | 265,484,000 | 258,628,000 | 270,385,000 |
| Total loans | 82,829,000 | 81,214,000 | 79,926,000 | 81,622,000 |
| Allowance for loan losses | 1,378,000 | 1,327,000 | 1,214,000 | 1,231,000 |
| Securities available for sale | 136,830,000 | 146,072,000 | 147,280,000 | 146,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,139,000 | 229,915,000 | 224,958,000 | 236,893,000 |
| Interest-bearing deposits | 189,928,000 | 185,715,000 | 183,789,000 | 195,638,000 |
| Noninterest-bearing deposits | 41,211,000 | 44,200,000 | 41,169,000 | 41,255,000 |
| Equity capital | 32,838,000 | 33,604,000 | 32,141,000 | 32,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,848,000 | 5,614,000 | 8,264,000 | 10,909,000 |
| Interest expense | 708,000 | 1,342,000 | 1,880,000 | 2,369,000 |
| Net interest income | 2,140,000 | 4,272,000 | 6,384,000 | 8,540,000 |
| Noninterest income | 653,000 | 1,473,000 | 2,280,000 | 3,086,000 |
| Noninterest expense | 1,954,000 | 3,965,000 | 5,974,000 | 8,015,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 117,000 |
| Pretax income | 839,000 | 1,780,000 | 2,745,000 | 3,574,000 |
| Income tax | 213,000 | 458,000 | 705,000 | 892,000 |
| Net income | 626,000 | 1,322,000 | 2,040,000 | 2,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,550,000 | 30,846,000 | 30,439,000 | 30,721,000 |
| Total capital | 31,928,000 | 32,173,000 | 31,653,000 | 31,952,000 |
| Risk-weighted assets | 121,108,000 | 120,379,000 | 119,522,000 | 117,425,000 |