Call reports 2009
GREENFIELD CO-OPERATIVE BANK — 2009
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 260,701,000 | 271,365,000 | 277,662,000 | 282,981,000 |
| Total loans | 160,825,000 | 160,500,000 | 163,244,000 | 166,505,000 |
| Allowance for loan losses | 1,238,000 | 1,253,000 | 1,301,000 | 1,379,000 |
| Securities available for sale | 69,552,000 | 65,382,000 | 82,846,000 | 82,577,000 |
| Securities held to maturity | 3,150,000 | 2,912,000 | 2,673,000 | 2,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,406,000 | 224,743,000 | 230,905,000 | 234,653,000 |
| Interest-bearing deposits | 209,262,000 | 217,003,000 | 220,859,000 | 224,128,000 |
| Noninterest-bearing deposits | 7,144,000 | 7,740,000 | 10,046,000 | 10,525,000 |
| Equity capital | 31,295,000 | 31,561,000 | 32,323,000 | 32,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,997,000 | 5,921,000 | 8,788,000 | 11,684,000 |
| Interest expense | 1,176,000 | 2,264,000 | 3,243,000 | 4,117,000 |
| Net interest income | 1,821,000 | 3,657,000 | 5,545,000 | 7,567,000 |
| Noninterest income | 344,000 | 747,000 | 1,141,000 | 1,523,000 |
| Noninterest expense | 1,483,000 | 3,268,000 | 4,759,000 | 6,363,000 |
| Provision for loan losses | 60,000 | 160,000 | 250,000 | 330,000 |
| Pretax income | 622,000 | 982,000 | 1,685,000 | 2,405,000 |
| Income tax | 205,000 | 351,000 | 631,000 | 790,000 |
| Net income | 417,000 | 631,000 | 1,054,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,508,000 | 30,722,000 | 31,145,000 | 31,705,000 |
| Total capital | 31,746,000 | 31,975,000 | 32,446,000 | 33,084,000 |
| Risk-weighted assets | 136,533,000 | 139,278,000 | 142,218,000 | 146,774,000 |