Call reports 2005
GARFIELD COUNTY BANK — 2005
What GARFIELD COUNTY 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 | 26,841,000 | 27,209,000 | 27,157,000 | 30,554,000 |
| Total loans | 17,628,000 | 19,312,000 | 20,037,000 | 17,091,000 |
| Allowance for loan losses | 395,000 | 395,000 | 395,000 | 399,000 |
| Securities available for sale | 6,636,000 | 5,859,000 | 5,312,000 | 7,361,000 |
| Securities held to maturity | 8,000 | 6,000 | 5,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,508,000 | 22,614,000 | 22,220,000 | 25,733,000 |
| Interest-bearing deposits | 18,851,000 | 19,015,000 | 18,672,000 | 21,063,000 |
| Noninterest-bearing deposits | 3,657,000 | 3,599,000 | 3,548,000 | 4,670,000 |
| Equity capital | 4,046,000 | 4,143,000 | 4,272,000 | 4,393,000 |
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 | 361,000 | 754,000 | 1,190,000 | 1,612,000 |
| Interest expense | 72,000 | 153,000 | 251,000 | 351,000 |
| Net interest income | 289,000 | 601,000 | 939,000 | 1,261,000 |
| Noninterest income | 39,000 | 78,000 | 114,000 | 155,000 |
| Noninterest expense | 228,000 | 394,000 | 562,000 | 727,000 |
| Provision for loan losses | 3,000 | 0 | 0 | 0 |
| Pretax income | 100,000 | 285,000 | 491,000 | 689,000 |
| Income tax | 27,000 | 126,000 | 190,000 | 255,000 |
| Net income | 73,000 | 159,000 | 301,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,082,000 | 4,168,000 | 4,310,000 | 4,444,000 |
| Total capital | 4,347,000 | 4,447,000 | 4,596,000 | 4,713,000 |
| Risk-weighted assets | 21,032,000 | 22,243,000 | 22,763,000 | 21,371,000 |