Call reports 2005
GLASGOW SAVINGS BANK — 2005
What GLASGOW SAVINGS 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 | 30,463,000 | 29,312,000 | 29,506,000 | 28,690,000 |
| Total loans | 13,352,000 | 13,189,000 | 13,320,000 | 13,122,000 |
| Allowance for loan losses | 292,000 | 262,000 | 272,000 | 281,000 |
| Securities available for sale | 13,337,000 | 12,669,000 | 12,603,000 | 12,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,358,000 | 26,210,000 | 26,332,000 | 25,604,000 |
| Interest-bearing deposits | 23,478,000 | 22,479,000 | 22,778,000 | 21,625,000 |
| Noninterest-bearing deposits | 3,880,000 | 3,731,000 | 3,554,000 | 3,979,000 |
| Equity capital | 3,026,000 | 3,023,000 | 3,076,000 | 3,010,000 |
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 | 359,000 | 715,000 | 1,072,000 | 1,435,000 |
| Interest expense | 74,000 | 152,000 | 236,000 | 328,000 |
| Net interest income | 285,000 | 563,000 | 836,000 | 1,107,000 |
| Noninterest income | 23,000 | 42,000 | 64,000 | 92,000 |
| Noninterest expense | 178,000 | 353,000 | 531,000 | 719,000 |
| Provision for loan losses | 14,000 | 23,000 | 32,000 | 41,000 |
| Pretax income | 116,000 | 229,000 | 337,000 | 439,000 |
| Income tax | 42,000 | 83,000 | 123,000 | 161,000 |
| Net income | 74,000 | 146,000 | 214,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,113,000 | 3,085,000 | 3,153,000 | 3,116,000 |
| Total capital | 3,366,000 | 3,327,000 | 3,397,000 | 3,356,000 |
| Risk-weighted assets | 20,162,000 | 19,325,000 | 19,487,000 | 19,119,000 |