Call reports 2005
GRIFFITH SAVINGS BANK — 2005
What GRIFFITH 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 | 100,067,000 | 96,454,000 | 93,467,000 | 91,171,000 |
| Total loans | 70,812,000 | 71,577,000 | 72,649,000 | 72,644,000 |
| Allowance for loan losses | 214,000 | 209,000 | 189,000 | 185,000 |
| Securities available for sale | 22,437,000 | 17,950,000 | 14,458,000 | 12,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,269,000 | 82,780,000 | 79,711,000 | 77,369,000 |
| Interest-bearing deposits | 83,644,000 | 81,103,000 | 77,634,000 | 76,491,000 |
| Noninterest-bearing deposits | 2,626,000 | 1,677,000 | 2,077,000 | 879,000 |
| Equity capital | 8,175,000 | 8,321,000 | 8,443,000 | 8,688,000 |
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 | 1,313,000 | 2,593,000 | 3,865,000 | 5,143,000 |
| Interest expense | 485,000 | 985,000 | 1,495,000 | 2,025,000 |
| Net interest income | 828,000 | 1,608,000 | 2,370,000 | 3,118,000 |
| Noninterest income | 37,000 | 69,000 | 111,000 | 139,000 |
| Noninterest expense | 422,000 | 847,000 | 1,315,000 | 1,750,000 |
| Provision for loan losses | 0 | 70,000 | 90,000 | 145,000 |
| Pretax income | 443,000 | 760,000 | 1,076,000 | 1,362,000 |
| Income tax | 167,000 | 340,000 | 507,000 | 492,000 |
| Net income | 276,000 | 420,000 | 569,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,318,000 | 8,305,000 | 8,434,000 | 8,730,000 |
| Total capital | 8,532,000 | 8,514,000 | 8,623,000 | 8,915,000 |
| Risk-weighted assets | 59,651,000 | 55,691,000 | 53,873,000 | 51,513,000 |