Call reports 2003
GREENFIELD CO-OPERATIVE BANK — 2003
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 186,010,000 | 194,653,000 | 197,445,000 | 195,319,000 |
| Total loans | 114,828,000 | 113,132,000 | 115,121,000 | 123,806,000 |
| Allowance for loan losses | 892,000 | 903,000 | 924,000 | 1,454,000 |
| Securities available for sale | 37,682,000 | 49,016,000 | 50,117,000 | 40,046,000 |
| Securities held to maturity | 17,271,000 | 15,777,000 | 18,874,000 | 18,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,932,000 | 172,385,000 | 174,639,000 | 172,552,000 |
| Interest-bearing deposits | 159,817,000 | 166,949,000 | 167,683,000 | 166,748,000 |
| Noninterest-bearing deposits | 4,115,000 | 5,436,000 | 6,956,000 | 5,804,000 |
| Equity capital | 20,934,000 | 21,414,000 | 21,863,000 | 21,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,486,000 | 4,980,000 | 7,435,000 | 9,190,000 |
| Interest expense | 769,000 | 1,505,000 | 2,174,000 | 2,768,000 |
| Net interest income | 1,717,000 | 3,475,000 | 5,261,000 | 6,430,000 |
| Noninterest income | 162,000 | 337,000 | 562,000 | 1,325,000 |
| Noninterest expense | 1,114,000 | 2,312,000 | 3,446,000 | 4,540,000 |
| Provision for loan losses | 21,000 | 41,000 | 62,000 | 583,000 |
| Pretax income | 744,000 | 1,459,000 | 2,315,000 | 2,632,000 |
| Income tax | 247,000 | 513,000 | 829,000 | 937,000 |
| Net income | 497,000 | 946,000 | 1,486,000 | 1,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,710,000 | 21,158,000 | 21,698,000 | 21,908,000 |
| Total capital | 21,602,000 | 22,061,000 | 22,622,000 | 23,284,000 |
| Risk-weighted assets | 111,578,000 | 111,429,000 | 109,598,000 | 109,971,000 |