Call reports 2005
GOODFIELD STATE BANK — 2005
What GOODFIELD STATE 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 | 48,875,000 | 49,916,000 | 48,646,000 | 50,386,000 |
| Total loans | 34,826,000 | 34,969,000 | 35,836,000 | 35,082,000 |
| Allowance for loan losses | 278,000 | 297,000 | 335,000 | 232,000 |
| Securities available for sale | 8,678,000 | 9,457,000 | 9,498,000 | 9,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,996,000 | 43,926,000 | 41,455,000 | 44,278,000 |
| Interest-bearing deposits | 38,922,000 | 38,864,000 | 36,853,000 | 39,177,000 |
| Noninterest-bearing deposits | 4,074,000 | 5,062,000 | 4,602,000 | 5,101,000 |
| Equity capital | 3,664,000 | 3,856,000 | 3,923,000 | 3,959,000 |
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 | 647,000 | 1,324,000 | 2,023,000 | 2,731,000 |
| Interest expense | 247,000 | 520,000 | 799,000 | 1,096,000 |
| Net interest income | 400,000 | 804,000 | 1,224,000 | 1,635,000 |
| Noninterest income | 38,000 | 101,000 | 153,000 | 211,000 |
| Noninterest expense | 253,000 | 509,000 | 764,000 | 1,041,000 |
| Provision for loan losses | 18,000 | 36,000 | 66,000 | 126,000 |
| Pretax income | 168,000 | 361,000 | 547,000 | 679,000 |
| Income tax | 69,000 | 127,000 | 179,000 | 212,000 |
| Net income | 99,000 | 234,000 | 368,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,772,000 | 3,908,000 | 4,015,000 | 4,075,000 |
| Total capital | 4,050,000 | 4,205,000 | 4,350,000 | 4,307,000 |
| Risk-weighted assets | 34,902,000 | 35,842,000 | 36,282,000 | 36,379,000 |