Call reports 2008
GREENFIELD CO-OPERATIVE BANK — 2008
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 243,734,000 | 242,271,000 | 247,683,000 | 257,101,000 |
| Total loans | 154,542,000 | 155,878,000 | 158,552,000 | 161,419,000 |
| Allowance for loan losses | 1,110,000 | 1,173,000 | 1,206,000 | 1,203,000 |
| Securities available for sale | 56,617,000 | 60,121,000 | 65,109,000 | 66,026,000 |
| Securities held to maturity | 6,298,000 | 3,932,000 | 3,586,000 | 3,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,032,000 | 198,960,000 | 204,165,000 | 213,565,000 |
| Interest-bearing deposits | 190,803,000 | 191,858,000 | 197,067,000 | 205,918,000 |
| Noninterest-bearing deposits | 7,229,000 | 7,102,000 | 7,098,000 | 7,647,000 |
| Equity capital | 29,651,000 | 29,501,000 | 29,759,000 | 30,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,106,000 | 6,143,000 | 9,208,000 | 12,297,000 |
| Interest expense | 1,460,000 | 2,828,000 | 4,189,000 | 5,512,000 |
| Net interest income | 1,646,000 | 3,315,000 | 5,019,000 | 6,785,000 |
| Noninterest income | 325,000 | 641,000 | 946,000 | 1,274,000 |
| Noninterest expense | 1,426,000 | 2,994,000 | 4,386,000 | 5,850,000 |
| Provision for loan losses | 153,000 | 266,000 | 397,000 | 462,000 |
| Pretax income | 392,000 | 696,000 | 1,182,000 | 1,751,000 |
| Income tax | 97,000 | 183,000 | 298,000 | 479,000 |
| Net income | 295,000 | 513,000 | 884,000 | 1,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,225,000 | 29,443,000 | 29,814,000 | 30,091,000 |
| Total capital | 30,335,000 | 30,616,000 | 31,020,000 | 31,293,000 |
| Risk-weighted assets | 129,848,000 | 131,078,000 | 133,765,000 | 135,292,000 |