Call reports 2005
GRATIOT STATE BANK — 2005
What GRATIOT STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,469,000 | 33,072,000 | 32,757,000 | 32,832,000 |
| Total loans | 12,242,000 | 12,771,000 | 13,354,000 | 13,521,000 |
| Allowance for loan losses | 60,000 | 62,000 | 65,000 | 68,000 |
| Securities available for sale | 18,669,000 | 18,979,000 | 18,086,000 | 17,560,000 |
| Securities held to maturity | 110,000 | 65,000 | 65,000 | 65,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,451,000 | 27,197,000 | 27,293,000 | 27,607,000 |
| Interest-bearing deposits | 25,828,000 | 25,679,000 | 25,840,000 | 25,722,000 |
| Noninterest-bearing deposits | 1,623,000 | 1,518,000 | 1,453,000 | 1,885,000 |
| Equity capital | 4,896,000 | 5,224,000 | 5,226,000 | 5,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 831,000 | 1,262,000 | 1,699,000 |
| Interest expense | 176,000 | 363,000 | 565,000 | 770,000 |
| Net interest income | 229,000 | 468,000 | 697,000 | 929,000 |
| Noninterest income | 13,000 | 22,000 | 32,000 | 40,000 |
| Noninterest expense | 138,000 | 267,000 | 399,000 | 527,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 105,000 | 221,000 | 337,000 | 456,000 |
| Income tax | 22,000 | 45,000 | 70,000 | 84,000 |
| Net income | 83,000 | 176,000 | 267,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,086,000 | 5,179,000 | 5,269,000 | 5,369,000 |
| Total capital | 5,146,000 | 5,241,000 | 5,334,000 | 5,437,000 |
| Risk-weighted assets | 16,426,000 | 15,967,000 | 17,089,000 | 17,419,000 |
Machine access — free, no API key
Every figure shown here about GRATIOT STATE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.