Call reports 2005
GREENFIELD BANKING COMPANY — 2005
What GREENFIELD BANKING COMPANY 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 | 281,650,000 | 288,942,000 | 276,795,000 | 274,635,000 |
| Total loans | 130,951,000 | 141,854,000 | 145,359,000 | 145,931,000 |
| Allowance for loan losses | 1,279,000 | 1,323,000 | 1,341,000 | 1,341,000 |
| Securities available for sale | 116,610,000 | 110,684,000 | 104,799,000 | 101,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,800,000 | 245,885,000 | 242,347,000 | 240,143,000 |
| Interest-bearing deposits | 195,266,000 | 194,786,000 | 188,934,000 | 186,615,000 |
| Noninterest-bearing deposits | 53,534,000 | 51,099,000 | 53,413,000 | 53,528,000 |
| Equity capital | 31,782,000 | 32,408,000 | 32,838,000 | 33,419,000 |
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 | 2,805,000 | 5,831,000 | 8,860,000 | 12,027,000 |
| Interest expense | 508,000 | 1,124,000 | 1,817,000 | 2,544,000 |
| Net interest income | 2,297,000 | 4,707,000 | 7,043,000 | 9,483,000 |
| Noninterest income | 840,000 | 1,749,000 | 2,714,000 | 3,720,000 |
| Noninterest expense | 2,189,000 | 4,338,000 | 6,493,000 | 8,438,000 |
| Provision for loan losses | 53,000 | 135,000 | 211,000 | 265,000 |
| Pretax income | 919,000 | 2,006,000 | 3,077,000 | 4,524,000 |
| Income tax | 191,000 | 451,000 | 682,000 | 1,011,000 |
| Net income | 728,000 | 1,555,000 | 2,395,000 | 3,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,668,000 | 33,062,000 | 33,512,000 | 34,239,000 |
| Total capital | 33,947,000 | 34,385,000 | 34,853,000 | 35,580,000 |
| Risk-weighted assets | 150,127,000 | 156,436,000 | 156,084,000 | 158,042,000 |