Call reports 2007
GREENFIELD CO-OPERATIVE BANK — 2007
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 229,883,000 | 231,954,000 | 233,091,000 | 236,320,000 |
| Total loans | 153,214,000 | 154,666,000 | 157,805,000 | 157,116,000 |
| Allowance for loan losses | 1,170,000 | 1,185,000 | 1,168,000 | 955,000 |
| Securities available for sale | 47,640,000 | 49,269,000 | 51,057,000 | 50,646,000 |
| Securities held to maturity | 11,745,000 | 11,351,000 | 8,985,000 | 8,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,707,000 | 193,601,000 | 191,053,000 | 194,626,000 |
| Interest-bearing deposits | 184,397,000 | 184,731,000 | 183,068,000 | 185,096,000 |
| Noninterest-bearing deposits | 6,310,000 | 8,870,000 | 7,985,000 | 9,530,000 |
| Equity capital | 27,749,000 | 28,023,000 | 28,837,000 | 29,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,023,000 | 6,131,000 | 9,326,000 | 12,496,000 |
| Interest expense | 1,395,000 | 2,839,000 | 4,319,000 | 5,841,000 |
| Net interest income | 1,628,000 | 3,292,000 | 5,007,000 | 6,655,000 |
| Noninterest income | 375,000 | 648,000 | 975,000 | 1,323,000 |
| Noninterest expense | 1,303,000 | 2,721,000 | 4,059,000 | 5,549,000 |
| Provision for loan losses | 15,000 | 32,000 | 48,000 | 161,000 |
| Pretax income | 685,000 | 1,193,000 | 1,881,000 | 2,274,000 |
| Income tax | 229,000 | 386,000 | 613,000 | 761,000 |
| Net income | 456,000 | 807,000 | 1,268,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,873,000 | 28,224,000 | 28,685,000 | 28,929,000 |
| Total capital | 29,043,000 | 29,409,000 | 29,853,000 | 29,884,000 |
| Risk-weighted assets | 127,474,000 | 129,532,000 | 130,544,000 | 131,681,000 |