Call reports 2004
GARFIELD COUNTY BANK — 2004
What GARFIELD COUNTY 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 | 25,457,000 | 25,376,000 | 25,596,000 | 28,622,000 |
| Total loans | 16,881,000 | 18,455,000 | 19,834,000 | 15,809,000 |
| Allowance for loan losses | 402,000 | 396,000 | 395,000 | 396,000 |
| Securities available for sale | 4,506,000 | 3,358,000 | 2,916,000 | 5,502,000 |
| Securities held to maturity | 69,000 | 66,000 | 15,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,183,000 | 21,070,000 | 20,437,000 | 24,039,000 |
| Interest-bearing deposits | 17,915,000 | 18,078,000 | 17,547,000 | 19,836,000 |
| Noninterest-bearing deposits | 3,268,000 | 2,992,000 | 2,890,000 | 4,203,000 |
| Equity capital | 4,024,000 | 4,084,000 | 4,219,000 | 4,319,000 |
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 | 346,000 | 712,000 | 1,100,000 | 1,476,000 |
| Interest expense | 85,000 | 148,000 | 213,000 | 278,000 |
| Net interest income | 261,000 | 564,000 | 887,000 | 1,198,000 |
| Noninterest income | 35,000 | 75,000 | 117,000 | 130,000 |
| Noninterest expense | 199,000 | 354,000 | 506,000 | 685,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 97,000 | 285,000 | 498,000 | 643,000 |
| Income tax | 25,000 | 108,000 | 202,000 | 234,000 |
| Net income | 72,000 | 177,000 | 296,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,991,000 | 4,095,000 | 4,215,000 | 4,328,000 |
| Total capital | 4,244,000 | 4,363,000 | 4,495,000 | 4,564,000 |
| Risk-weighted assets | 20,075,000 | 21,344,000 | 22,294,000 | 18,721,000 |