Call reports 2012
GARFIELD COUNTY BANK — 2012
What GARFIELD COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 49,972,000 | 51,077,000 | 53,643,000 | 58,002,000 |
| Total loans | 36,207,000 | 39,842,000 | 40,426,000 | 37,417,000 |
| Allowance for loan losses | 662,000 | 685,000 | 721,000 | 717,000 |
| Securities available for sale | 4,350,000 | 5,821,000 | 4,869,000 | 6,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,444,000 | 44,481,000 | 46,872,000 | 51,117,000 |
| Interest-bearing deposits | 36,647,000 | 36,923,000 | 37,920,000 | 41,368,000 |
| Noninterest-bearing deposits | 6,797,000 | 7,558,000 | 8,952,000 | 9,749,000 |
| Equity capital | 5,946,000 | 6,013,000 | 6,160,000 | 6,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,284,000 | 1,960,000 | 2,595,000 |
| Interest expense | 118,000 | 231,000 | 341,000 | 448,000 |
| Net interest income | 474,000 | 1,053,000 | 1,619,000 | 2,147,000 |
| Noninterest income | 46,000 | 95,000 | 137,000 | 184,000 |
| Noninterest expense | 335,000 | 602,000 | 933,000 | 1,306,000 |
| Provision for loan losses | 0 | 0 | 38,000 | 38,000 |
| Pretax income | 185,000 | 546,000 | 785,000 | 987,000 |
| Income tax | 38,000 | 187,000 | 274,000 | 343,000 |
| Net income | 147,000 | 359,000 | 511,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,944,000 | 5,988,000 | 6,130,000 | 6,262,000 |
| Total capital | 6,468,000 | 6,554,000 | 6,714,000 | 6,836,000 |
| Risk-weighted assets | 41,795,000 | 45,179,000 | 46,590,000 | 45,780,000 |