Call reports 2009
GRATIOT STATE BANK — 2009
What GRATIOT STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,883,000 | 35,684,000 | 35,707,000 | 36,397,000 |
| Total loans | 13,538,000 | 14,881,000 | 14,826,000 | 13,799,000 |
| Allowance for loan losses | 135,000 | 179,000 | 343,000 | 315,000 |
| Securities available for sale | 18,783,000 | 19,682,000 | 19,500,000 | 21,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,162,000 | 31,147,000 | 30,982,000 | 31,640,000 |
| Interest-bearing deposits | 27,976,000 | 29,411,000 | 29,269,000 | 29,296,000 |
| Noninterest-bearing deposits | 2,186,000 | 1,736,000 | 1,713,000 | 2,344,000 |
| Equity capital | 4,596,000 | 4,416,000 | 4,550,000 | 4,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 851,000 | 1,284,000 | 1,698,000 |
| Interest expense | 220,000 | 437,000 | 647,000 | 849,000 |
| Net interest income | 205,000 | 414,000 | 637,000 | 849,000 |
| Noninterest income | 13,000 | -76,000 | -63,000 | -48,000 |
| Noninterest expense | 145,000 | 309,000 | 491,000 | 642,000 |
| Provision for loan losses | 41,000 | 81,000 | 242,000 | 560,000 |
| Pretax income | 39,000 | -33,000 | -137,000 | -377,000 |
| Income tax | 0 | -10,000 | -22,000 | -131,000 |
| Net income | 39,000 | -23,000 | -115,000 | -246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,635,000 | 4,573,000 | 4,482,000 | 4,350,000 |
| Total capital | 4,770,000 | 4,752,000 | 4,667,000 | 4,522,000 |
| Risk-weighted assets | 18,845,000 | 18,824,000 | 18,753,000 | 18,087,000 |
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