Call reports 2013
GREENFIELD CO-OPERATIVE BANK — 2013
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 326,228,000 | 337,888,000 | 333,026,000 | 333,119,000 |
| Total loans | 196,171,000 | 199,285,000 | 208,295,000 | 211,938,000 |
| Allowance for loan losses | 1,856,000 | 1,921,000 | 1,948,000 | 1,973,000 |
| Securities available for sale | 93,753,000 | 90,819,000 | 87,363,000 | 85,877,000 |
| Securities held to maturity | 1,302,000 | 1,216,000 | 1,165,000 | 1,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,753,000 | 282,852,000 | 275,930,000 | 275,930,000 |
| Interest-bearing deposits | 255,435,000 | 268,306,000 | 260,751,000 | 259,952,000 |
| Noninterest-bearing deposits | 13,318,000 | 14,546,000 | 15,179,000 | 15,978,000 |
| Equity capital | 37,523,000 | 37,206,000 | 37,240,000 | 37,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 4,976,000 | 7,450,000 | 9,953,000 |
| Interest expense | 384,000 | 772,000 | 1,153,000 | 1,516,000 |
| Net interest income | 2,130,000 | 4,204,000 | 6,297,000 | 8,437,000 |
| Noninterest income | 433,000 | 904,000 | 1,292,000 | 1,686,000 |
| Noninterest expense | 2,044,000 | 3,967,000 | 6,017,000 | 8,023,000 |
| Provision for loan losses | 40,000 | 104,000 | 229,000 | 259,000 |
| Pretax income | 479,000 | 1,037,000 | 1,343,000 | 1,841,000 |
| Income tax | 119,000 | 246,000 | 296,000 | 399,000 |
| Net income | 360,000 | 791,000 | 1,047,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,352,000 | 36,783,000 | 37,039,000 | 37,434,000 |
| Total capital | 38,208,000 | 38,704,000 | 38,987,000 | 39,407,000 |
| Risk-weighted assets | 189,219,000 | 194,861,000 | 201,807,000 | 205,982,000 |