Call reports 2009
GRAND VALLEY BANK — 2009
What GRAND VALLEY 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 | 243,041,000 | 238,105,000 | 240,606,000 | 250,336,000 |
| Total loans | 127,719,000 | 128,216,000 | 120,400,000 | 116,617,000 |
| Allowance for loan losses | 2,382,000 | 2,656,000 | 2,759,000 | 2,901,000 |
| Securities available for sale | 97,465,000 | 91,145,000 | 104,562,000 | 121,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,890,000 | 214,579,000 | 215,951,000 | 221,878,000 |
| Interest-bearing deposits | 169,692,000 | 167,282,000 | 167,199,000 | 173,771,000 |
| Noninterest-bearing deposits | 50,198,000 | 47,297,000 | 48,752,000 | 48,107,000 |
| Equity capital | 21,504,000 | 22,101,000 | 23,141,000 | 23,553,000 |
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 | 3,347,000 | 6,508,000 | 9,646,000 | 12,676,000 |
| Interest expense | 709,000 | 1,338,000 | 1,890,000 | 2,397,000 |
| Net interest income | 2,638,000 | 5,170,000 | 7,756,000 | 10,279,000 |
| Noninterest income | 356,000 | 704,000 | 919,000 | 1,205,000 |
| Noninterest expense | 2,033,000 | 3,969,000 | 5,817,000 | 7,607,000 |
| Provision for loan losses | 320,000 | 640,000 | 870,000 | 1,020,000 |
| Pretax income | 641,000 | 1,165,000 | 1,992,000 | 2,861,000 |
| Income tax | 209,000 | 371,000 | 639,000 | 884,000 |
| Net income | 432,000 | 794,000 | 1,353,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,634,000 | 20,972,000 | 21,509,000 | 22,110,000 |
| Total capital | 22,461,000 | 22,764,000 | 23,232,000 | 23,807,000 |
| Risk-weighted assets | 145,742,000 | 142,385,000 | 136,702,000 | 134,488,000 |
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