Call reports 2005
GREENFIELD CO-OPERATIVE BANK — 2005
What GREENFIELD CO-OPERATIVE 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 | 205,359,000 | 207,969,000 | 207,400,000 | 213,586,000 |
| Total loans | 133,028,000 | 138,379,000 | 138,911,000 | 141,349,000 |
| Allowance for loan losses | 1,023,000 | 1,047,000 | 1,066,000 | 1,090,000 |
| Securities available for sale | 36,918,000 | 36,871,000 | 36,911,000 | 36,691,000 |
| Securities held to maturity | 19,200,000 | 18,610,000 | 17,933,000 | 17,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,991,000 | 177,214,000 | 173,409,000 | 179,246,000 |
| Interest-bearing deposits | 169,152,000 | 169,920,000 | 166,202,000 | 172,568,000 |
| Noninterest-bearing deposits | 5,839,000 | 7,294,000 | 7,207,000 | 6,678,000 |
| Equity capital | 23,935,000 | 24,615,000 | 24,996,000 | 25,270,000 |
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 | 2,445,000 | 4,965,000 | 7,574,000 | 10,172,000 |
| Interest expense | 599,000 | 1,284,000 | 2,072,000 | 2,963,000 |
| Net interest income | 1,846,000 | 3,681,000 | 5,502,000 | 7,209,000 |
| Noninterest income | 238,000 | 497,000 | 769,000 | 1,010,000 |
| Noninterest expense | 1,315,000 | 2,498,000 | 3,731,000 | 5,047,000 |
| Provision for loan losses | 21,000 | 45,000 | 69,000 | 93,000 |
| Pretax income | 748,000 | 1,635,000 | 2,471,000 | 3,079,000 |
| Income tax | 277,000 | 601,000 | 918,000 | 1,148,000 |
| Net income | 471,000 | 1,034,000 | 1,553,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,302,000 | 24,864,000 | 25,384,000 | 25,761,000 |
| Total capital | 25,325,000 | 25,911,000 | 26,450,000 | 26,851,000 |
| Risk-weighted assets | 113,788,000 | 114,670,000 | 115,162,000 | 117,960,000 |