Call reports 2006
GRATIOT STATE BANK — 2006
What GRATIOT STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 33,456,000 | 32,894,000 | 33,104,000 | 32,999,000 |
| Total loans | 13,386,000 | 13,060,000 | 12,238,000 | 12,404,000 |
| Allowance for loan losses | 72,000 | 81,000 | 80,000 | 83,000 |
| Securities available for sale | 17,495,000 | 17,172,000 | 18,897,000 | 19,293,000 |
| Securities held to maturity | 110,000 | 104,000 | 39,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,283,000 | 27,830,000 | 27,731,000 | 27,656,000 |
| Interest-bearing deposits | 26,615,000 | 26,327,000 | 26,236,000 | 25,823,000 |
| Noninterest-bearing deposits | 1,667,000 | 1,503,000 | 1,495,000 | 1,833,000 |
| Equity capital | 5,106,000 | 4,992,000 | 5,199,000 | 5,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 897,000 | 1,355,000 | 1,813,000 |
| Interest expense | 221,000 | 455,000 | 695,000 | 944,000 |
| Net interest income | 223,000 | 442,000 | 660,000 | 869,000 |
| Noninterest income | 8,000 | 22,000 | 30,000 | 44,000 |
| Noninterest expense | 141,000 | 284,000 | 425,000 | 563,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | -45,000 | 45,000 | 130,000 | 215,000 |
| Income tax | -36,000 | -9,000 | 39,000 | -2,000 |
| Net income | -9,000 | 54,000 | 91,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,360,000 | 5,423,000 | 5,369,000 | 5,396,000 |
| Total capital | 5,432,000 | 5,504,000 | 5,449,000 | 5,479,000 |
| Risk-weighted assets | 17,882,000 | 17,544,000 | 16,659,000 | 15,850,000 |
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