Call reports 2004
GRIFFITH SAVINGS BANK — 2004
What GRIFFITH 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 | 98,273,000 | 98,253,000 | 97,379,000 | 100,313,000 |
| Total loans | 71,847,000 | 73,225,000 | 72,998,000 | 73,453,000 |
| Allowance for loan losses | 48,000 | 127,000 | 197,000 | 233,000 |
| Securities available for sale | 19,514,000 | 18,417,000 | 17,374,000 | 20,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,327,000 | 85,396,000 | 84,119,000 | 86,728,000 |
| Interest-bearing deposits | 83,841,000 | 83,561,000 | 82,446,000 | 84,604,000 |
| Noninterest-bearing deposits | 1,486,000 | 1,835,000 | 1,673,000 | 2,124,000 |
| Equity capital | 7,378,000 | 7,440,000 | 7,769,000 | 7,968,000 |
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 | 1,217,000 | 2,426,000 | 3,686,000 | 4,918,000 |
| Interest expense | 442,000 | 886,000 | 1,319,000 | 1,795,000 |
| Net interest income | 775,000 | 1,540,000 | 2,367,000 | 3,123,000 |
| Noninterest income | 26,000 | 58,000 | 96,000 | 129,000 |
| Noninterest expense | 359,000 | 720,000 | 1,104,000 | 1,528,000 |
| Provision for loan losses | 0 | 70,000 | 156,000 | 206,000 |
| Pretax income | 442,000 | 808,000 | 1,203,000 | 1,518,000 |
| Income tax | 177,000 | 300,000 | 448,000 | 561,000 |
| Net income | 265,000 | 508,000 | 755,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,351,000 | 7,416,000 | 7,662,000 | 8,043,000 |
| Total capital | 7,399,000 | 7,543,000 | 7,859,000 | 8,276,000 |
| Risk-weighted assets | 55,333,000 | 56,106,000 | 55,570,000 | 59,057,000 |