Call reports 2006
GREENFIELD CO-OPERATIVE BANK — 2006
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 211,371,000 | 217,444,000 | 220,404,000 | 226,966,000 |
| Total loans | 144,047,000 | 149,176,000 | 153,045,000 | 152,484,000 |
| Allowance for loan losses | 1,071,000 | 1,091,000 | 1,109,000 | 1,151,000 |
| Securities available for sale | 36,816,000 | 36,854,000 | 36,739,000 | 42,278,000 |
| Securities held to maturity | 16,385,000 | 15,863,000 | 15,429,000 | 14,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,540,000 | 182,257,000 | 179,359,000 | 187,343,000 |
| Interest-bearing deposits | 169,201,000 | 172,700,000 | 172,673,000 | 180,457,000 |
| Noninterest-bearing deposits | 7,339,000 | 9,557,000 | 6,686,000 | 6,886,000 |
| Equity capital | 25,671,000 | 26,017,000 | 26,721,000 | 27,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,656,000 | 5,359,000 | 8,192,000 | 11,151,000 |
| Interest expense | 948,000 | 1,973,000 | 3,124,000 | 4,430,000 |
| Net interest income | 1,708,000 | 3,386,000 | 5,068,000 | 6,721,000 |
| Noninterest income | 239,000 | 510,000 | 825,000 | 1,182,000 |
| Noninterest expense | 1,254,000 | 2,568,000 | 3,821,000 | 5,231,000 |
| Provision for loan losses | 24,000 | 39,000 | 54,000 | 93,000 |
| Pretax income | 669,000 | 1,289,000 | 2,018,000 | 2,584,000 |
| Income tax | 241,000 | 461,000 | 724,000 | 928,000 |
| Net income | 428,000 | 828,000 | 1,294,000 | 1,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,189,000 | 26,589,000 | 27,055,000 | 27,417,000 |
| Total capital | 27,260,000 | 27,680,000 | 28,164,000 | 28,568,000 |
| Risk-weighted assets | 117,155,000 | 119,255,000 | 120,993,000 | 124,670,000 |