Call reports 2010
GRATIOT STATE BANK — 2010
What GRATIOT STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 37,719,000 | 37,780,000 | 39,286,000 | 39,396,000 |
| Total loans | 13,077,000 | 13,474,000 | 12,597,000 | 12,293,000 |
| Allowance for loan losses | 106,000 | 123,000 | 69,000 | 127,000 |
| Securities available for sale | 22,259,000 | 23,060,000 | 24,199,000 | 24,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,113,000 | 32,918,000 | 34,071,000 | 35,120,000 |
| Interest-bearing deposits | 30,688,000 | 30,896,000 | 32,041,000 | 32,375,000 |
| Noninterest-bearing deposits | 2,425,000 | 2,022,000 | 2,030,000 | 2,745,000 |
| Equity capital | 4,461,000 | 4,714,000 | 4,959,000 | 4,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 431,000 | 878,000 | 1,302,000 | 1,709,000 |
| Interest expense | 196,000 | 391,000 | 573,000 | 742,000 |
| Net interest income | 235,000 | 487,000 | 729,000 | 967,000 |
| Noninterest income | 10,000 | 23,000 | 31,000 | 46,000 |
| Noninterest expense | 160,000 | 319,000 | 484,000 | 658,000 |
| Provision for loan losses | 4,000 | 4,000 | 78,000 | 130,000 |
| Pretax income | 82,000 | 205,000 | 225,000 | 252,000 |
| Income tax | 10,000 | 35,000 | 0 | 0 |
| Net income | 72,000 | 170,000 | 225,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,423,000 | 4,520,000 | 4,576,000 | 4,457,000 |
| Total capital | 4,529,000 | 4,643,000 | 4,645,000 | 4,584,000 |
| Risk-weighted assets | 17,778,000 | 18,961,000 | 18,231,000 | 18,409,000 |
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