Call reports 2006
GARFIELD COUNTY BANK — 2006
What GARFIELD COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,695,000 | 28,503,000 | 28,973,000 | 30,303,000 |
| Total loans | 18,488,000 | 20,671,000 | 22,405,000 | 20,353,000 |
| Allowance for loan losses | 399,000 | 399,000 | 400,000 | 407,000 |
| Securities available for sale | 7,562,000 | 6,125,000 | 4,100,000 | 6,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,096,000 | 23,690,000 | 24,017,000 | 25,227,000 |
| Interest-bearing deposits | 18,665,000 | 19,721,000 | 20,309,000 | 20,929,000 |
| Noninterest-bearing deposits | 4,431,000 | 3,969,000 | 3,708,000 | 4,298,000 |
| Equity capital | 4,140,000 | 4,252,000 | 4,403,000 | 4,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 881,000 | 1,374,000 | 1,868,000 |
| Interest expense | 98,000 | 223,000 | 374,000 | 517,000 |
| Net interest income | 331,000 | 658,000 | 1,000,000 | 1,351,000 |
| Noninterest income | 41,000 | 85,000 | 123,000 | 161,000 |
| Noninterest expense | 225,000 | 398,000 | 567,000 | 773,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 342,000 | 553,000 | 736,000 |
| Income tax | 42,000 | 129,000 | 214,000 | 273,000 |
| Net income | 105,000 | 213,000 | 339,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,190,000 | 4,298,000 | 4,424,000 | 4,548,000 |
| Total capital | 4,463,000 | 4,592,000 | 4,736,000 | 4,840,000 |
| Risk-weighted assets | 21,676,000 | 23,440,000 | 24,896,000 | 23,262,000 |