Call reports 2013
GARFIELD COUNTY BANK — 2013
What GARFIELD COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 55,320,000 | 55,884,000 | 59,694,000 | 62,633,000 |
| Total loans | 40,409,000 | 43,536,000 | 46,262,000 | 42,516,000 |
| Allowance for loan losses | 717,000 | 719,000 | 791,000 | 773,000 |
| Securities available for sale | 7,724,000 | 7,997,000 | 8,735,000 | 8,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,375,000 | 48,469,000 | 49,834,000 | 55,295,000 |
| Interest-bearing deposits | 39,827,000 | 40,238,000 | 41,948,000 | 46,026,000 |
| Noninterest-bearing deposits | 8,548,000 | 8,231,000 | 7,886,000 | 9,269,000 |
| Equity capital | 6,389,000 | 6,412,000 | 6,621,000 | 6,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,321,000 | 2,076,000 | 2,817,000 |
| Interest expense | 98,000 | 193,000 | 291,000 | 386,000 |
| Net interest income | 543,000 | 1,128,000 | 1,785,000 | 2,431,000 |
| Noninterest income | 47,000 | 106,000 | 148,000 | 191,000 |
| Noninterest expense | 408,000 | 758,000 | 1,092,000 | 1,452,000 |
| Provision for loan losses | 0 | 5,000 | 77,000 | 77,000 |
| Pretax income | 182,000 | 471,000 | 764,000 | 1,093,000 |
| Income tax | 34,000 | 163,000 | 274,000 | 424,000 |
| Net income | 148,000 | 308,000 | 490,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,376,000 | 6,535,000 | 6,717,000 | 6,867,000 |
| Total capital | 6,967,000 | 7,156,000 | 7,379,000 | 7,500,000 |
| Risk-weighted assets | 47,154,000 | 49,577,000 | 52,844,000 | 50,526,000 |