Call reports 2004
GREENFIELD CO-OPERATIVE BANK — 2004
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 197,919,000 | 201,551,000 | 203,981,000 | 205,158,000 |
| Total loans | 126,767,000 | 129,541,000 | 132,681,000 | 131,931,000 |
| Allowance for loan losses | 1,474,000 | 1,495,000 | 1,507,000 | 998,000 |
| Securities available for sale | 40,928,000 | 37,949,000 | 35,527,000 | 38,802,000 |
| Securities held to maturity | 17,421,000 | 20,080,000 | 20,436,000 | 19,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,472,000 | 178,101,000 | 179,712,000 | 180,388,000 |
| Interest-bearing deposits | 169,267,000 | 171,578,000 | 172,575,000 | 174,691,000 |
| Noninterest-bearing deposits | 5,205,000 | 6,523,000 | 7,137,000 | 5,697,000 |
| Equity capital | 22,641,000 | 22,693,000 | 23,339,000 | 23,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,304,000 | 4,594,000 | 6,971,000 | 9,396,000 |
| Interest expense | 565,000 | 1,146,000 | 1,747,000 | 2,347,000 |
| Net interest income | 1,739,000 | 3,448,000 | 5,224,000 | 7,049,000 |
| Noninterest income | 239,000 | 512,000 | 742,000 | 995,000 |
| Noninterest expense | 1,095,000 | 2,373,000 | 3,600,000 | 4,836,000 |
| Provision for loan losses | 21,000 | 41,000 | 62,000 | 243,000 |
| Pretax income | 862,000 | 1,546,000 | 2,304,000 | 2,965,000 |
| Income tax | 306,000 | 543,000 | 811,000 | 1,043,000 |
| Net income | 556,000 | 1,003,000 | 1,493,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,464,000 | 22,911,000 | 23,402,000 | 23,830,000 |
| Total capital | 23,938,000 | 24,400,000 | 24,832,000 | 24,828,000 |
| Risk-weighted assets | 118,950,000 | 119,074,000 | 114,323,000 | 114,871,000 |