Call reports 2003
GRATIOT STATE BANK — 2003
What GRATIOT STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 29,695,000 | 30,703,000 | 31,954,000 | 32,922,000 |
| Total loans | 11,022,000 | 12,457,000 | 12,791,000 | 12,346,000 |
| Allowance for loan losses | 113,000 | 116,000 | 115,000 | 118,000 |
| Securities available for sale | 13,782,000 | 16,261,000 | 16,953,000 | 18,085,000 |
| Securities held to maturity | 351,000 | 280,000 | 241,000 | 241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,488,000 | 25,278,000 | 26,764,000 | 27,823,000 |
| Interest-bearing deposits | 22,132,000 | 23,824,000 | 25,403,000 | 26,152,000 |
| Noninterest-bearing deposits | 2,356,000 | 1,454,000 | 1,361,000 | 1,671,000 |
| Equity capital | 4,953,000 | 5,087,000 | 4,910,000 | 4,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 382,000 | 784,000 | 1,206,000 | 1,588,000 |
| Interest expense | 184,000 | 376,000 | 570,000 | 761,000 |
| Net interest income | 198,000 | 408,000 | 636,000 | 827,000 |
| Noninterest income | 10,000 | 23,000 | 34,000 | 42,000 |
| Noninterest expense | 122,000 | 252,000 | 377,000 | 499,000 |
| Provision for loan losses | 2,000 | 5,000 | 8,000 | 11,000 |
| Pretax income | 89,000 | 179,000 | 290,000 | 364,000 |
| Income tax | 21,000 | 43,000 | 70,000 | 68,000 |
| Net income | 68,000 | 136,000 | 220,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,752,000 | 4,811,000 | 4,884,000 | 4,840,000 |
| Total capital | 4,865,000 | 4,927,000 | 4,999,000 | 4,958,000 |
| Risk-weighted assets | 14,236,000 | 15,511,000 | 16,298,000 | 17,200,000 |
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