Call reports 2016
GREENFIELD CO-OPERATIVE BANK — 2016
What GREENFIELD CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 560,014,000 | 566,996,000 | 567,881,000 | 575,202,000 |
| Total loans | 341,164,000 | 356,330,000 | 368,549,000 | 373,600,000 |
| Allowance for loan losses | 2,395,000 | 2,516,000 | 2,636,000 | 2,763,000 |
| Securities available for sale | 148,263,000 | 148,262,000 | 147,320,000 | 146,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,785,000 | 480,082,000 | 478,755,000 | 489,027,000 |
| Interest-bearing deposits | 431,194,000 | 431,790,000 | 430,090,000 | 435,411,000 |
| Noninterest-bearing deposits | 42,591,000 | 48,292,000 | 48,665,000 | 53,616,000 |
| Equity capital | 65,181,000 | 66,159,000 | 66,550,000 | 65,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,916,000 | 7,941,000 | 12,019,000 | 16,194,000 |
| Interest expense | 597,000 | 1,213,000 | 1,843,000 | 2,481,000 |
| Net interest income | 3,319,000 | 6,728,000 | 10,176,000 | 13,713,000 |
| Noninterest income | 459,000 | 1,054,000 | 1,698,000 | 2,270,000 |
| Noninterest expense | 2,999,000 | 6,002,000 | 9,048,000 | 12,151,000 |
| Provision for loan losses | 63,000 | 184,000 | 304,000 | 480,000 |
| Pretax income | 716,000 | 1,596,000 | 2,522,000 | 3,352,000 |
| Income tax | 299,000 | 567,000 | 851,000 | 1,093,000 |
| Net income | 417,000 | 1,029,000 | 1,671,000 | 2,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,299,000 | 64,926,000 | 65,459,000 | 66,068,000 |
| Total capital | 66,694,000 | 67,442,000 | 68,095,000 | 68,831,000 |
| Risk-weighted assets | 298,684,000 | 314,871,000 | 319,567,000 | 332,917,000 |