Call reports 2004
GRATIOT STATE BANK — 2004
What GRATIOT STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,595,000 | 33,713,000 | 32,571,000 | 32,017,000 |
| Total loans | 12,722,000 | 11,557,000 | 11,800,000 | 11,482,000 |
| Allowance for loan losses | 130,000 | 109,000 | 114,000 | 57,000 |
| Securities available for sale | 17,308,000 | 18,966,000 | 19,114,000 | 19,163,000 |
| Securities held to maturity | 240,000 | 190,000 | 190,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,207,000 | 28,814,000 | 27,288,000 | 26,800,000 |
| Interest-bearing deposits | 26,578,000 | 27,319,000 | 25,736,000 | 25,018,000 |
| Noninterest-bearing deposits | 1,629,000 | 1,495,000 | 1,552,000 | 1,782,000 |
| Equity capital | 5,119,000 | 4,764,000 | 5,066,000 | 5,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 835,000 | 1,259,000 | 1,676,000 |
| Interest expense | 182,000 | 363,000 | 544,000 | 722,000 |
| Net interest income | 238,000 | 472,000 | 715,000 | 954,000 |
| Noninterest income | 9,000 | 16,000 | 26,000 | 34,000 |
| Noninterest expense | 132,000 | 257,000 | 385,000 | 521,000 |
| Provision for loan losses | 13,000 | 16,000 | 19,000 | 22,000 |
| Pretax income | 117,000 | 235,000 | 357,000 | 465,000 |
| Income tax | 29,000 | 55,000 | 82,000 | 92,000 |
| Net income | 88,000 | 180,000 | 275,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,927,000 | 5,019,000 | 4,994,000 | 5,092,000 |
| Total capital | 5,057,000 | 5,128,000 | 5,108,000 | 5,149,000 |
| Risk-weighted assets | 16,445,000 | 16,088,000 | 16,467,000 | 15,598,000 |
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