Call reports 2007
GRATIOT STATE BANK — 2007
What GRATIOT STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,968,000 | 32,941,000 | 33,082,000 | 33,152,000 |
| Total loans | 11,463,000 | 12,094,000 | 12,167,000 | 14,557,000 |
| Allowance for loan losses | 86,000 | 88,000 | 91,000 | 94,000 |
| Securities available for sale | 19,358,000 | 18,937,000 | 19,323,000 | 16,217,000 |
| Securities held to maturity | 33,000 | 26,000 | 26,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,507,000 | 27,661,000 | 26,683,000 | 28,010,000 |
| Interest-bearing deposits | 26,048,000 | 26,170,000 | 25,240,000 | 25,909,000 |
| Noninterest-bearing deposits | 1,459,000 | 1,491,000 | 1,443,000 | 2,101,000 |
| Equity capital | 5,346,000 | 5,160,000 | 5,323,000 | 4,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 914,000 | 1,356,000 | 1,825,000 |
| Interest expense | 248,000 | 500,000 | 763,000 | 1,025,000 |
| Net interest income | 210,000 | 414,000 | 593,000 | 800,000 |
| Noninterest income | 4,000 | 13,000 | 32,000 | 39,000 |
| Noninterest expense | 152,000 | 281,000 | 417,000 | 548,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 146,000 | 208,000 | 288,000 |
| Income tax | 0 | 12,000 | 15,000 | 17,000 |
| Net income | 62,000 | 134,000 | 193,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,458,000 | 5,530,000 | 5,459,000 | 4,337,000 |
| Total capital | 5,544,000 | 5,618,000 | 5,550,000 | 4,431,000 |
| Risk-weighted assets | 16,268,000 | 16,553,000 | 16,321,000 | 18,335,000 |
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