Call reports 2005
GRAND VALLEY BANK — 2005
What GRAND VALLEY 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 | 149,188,000 | 154,184,000 | 159,367,000 | 195,788,000 |
| Total loans | 66,347,000 | 68,042,000 | 69,530,000 | 91,697,000 |
| Allowance for loan losses | 1,102,000 | 1,137,000 | 1,170,000 | 1,583,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 70,277,000 | 74,894,000 | 75,046,000 | 89,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,456,000 | 141,015,000 | 147,135,000 | 180,900,000 |
| Interest-bearing deposits | 106,527,000 | 107,765,000 | 110,619,000 | 136,640,000 |
| Noninterest-bearing deposits | 30,929,000 | 33,250,000 | 36,516,000 | 44,260,000 |
| Equity capital | 10,674,000 | 10,968,000 | 11,250,000 | 14,135,000 |
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 | 1,976,000 | 4,037,000 | 6,254,000 | 10,636,000 |
| Interest expense | 460,000 | 959,000 | 1,556,000 | 2,762,000 |
| Net interest income | 1,516,000 | 3,078,000 | 4,698,000 | 7,874,000 |
| Noninterest income | 291,000 | 645,000 | 946,000 | 1,337,000 |
| Noninterest expense | 1,173,000 | 2,415,000 | 3,675,000 | 6,163,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 604,000 | 1,248,000 | 1,879,000 | 2,898,000 |
| Income tax | 175,000 | 363,000 | 550,000 | 863,000 |
| Net income | 429,000 | 885,000 | 1,329,000 | 2,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,674,000 | 10,968,000 | 11,250,000 | 14,135,000 |
| Total capital | 11,776,000 | 12,105,000 | 12,420,000 | 15,696,000 |
| Risk-weighted assets | 93,711,000 | 93,505,000 | 98,524,000 | 124,668,000 |
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