Call reports 2003
GARFIELD COUNTY BANK — 2003
What GARFIELD COUNTY BANK 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 | 28,324,000 | 25,708,000 | 24,761,000 | 27,085,000 |
| Total loans | 17,654,000 | 18,848,000 | 18,908,000 | 15,556,000 |
| Allowance for loan losses | 385,000 | 385,000 | 405,000 | 405,000 |
| Securities available for sale | 3,433,000 | 2,859,000 | 2,747,000 | 4,229,000 |
| Securities held to maturity | 100,000 | 83,000 | 75,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,187,000 | 21,452,000 | 20,426,000 | 22,614,000 |
| Interest-bearing deposits | 21,080,000 | 18,672,000 | 17,663,000 | 19,001,000 |
| Noninterest-bearing deposits | 3,107,000 | 2,780,000 | 2,763,000 | 3,613,000 |
| Equity capital | 3,946,000 | 4,040,000 | 4,134,000 | 4,214,000 |
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 | 383,000 | 731,000 | 1,124,000 | 1,479,000 |
| Interest expense | 95,000 | 184,000 | 270,000 | 351,000 |
| Net interest income | 288,000 | 547,000 | 854,000 | 1,128,000 |
| Noninterest income | 31,000 | 67,000 | 108,000 | 139,000 |
| Noninterest expense | 208,000 | 360,000 | 513,000 | 676,000 |
| Provision for loan losses | 22,000 | 22,000 | 22,000 | 22,000 |
| Pretax income | 89,000 | 232,000 | 427,000 | 569,000 |
| Income tax | 25,000 | 76,000 | 160,000 | 213,000 |
| Net income | 64,000 | 156,000 | 267,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,901,000 | 3,992,000 | 4,103,000 | 4,193,000 |
| Total capital | 4,170,000 | 4,266,000 | 4,376,000 | 4,443,000 |
| Risk-weighted assets | 21,438,000 | 21,835,000 | 21,730,000 | 19,858,000 |
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