Call reports 2010
GRAND VALLEY BANK — 2010
What GRAND VALLEY 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 | 249,492,000 | 253,951,000 | 260,743,000 | 254,981,000 |
| Total loans | 114,886,000 | 114,000,000 | 109,383,000 | 102,575,000 |
| Allowance for loan losses | 2,961,000 | 3,145,000 | 2,492,000 | 2,618,000 |
| Securities available for sale | 106,036,000 | 108,048,000 | 116,075,000 | 114,523,000 |
| Securities held to maturity | 16,281,000 | 16,254,000 | 22,958,000 | 24,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,948,000 | 227,846,000 | 230,890,000 | 224,218,000 |
| Interest-bearing deposits | 177,370,000 | 182,853,000 | 183,092,000 | 176,021,000 |
| Noninterest-bearing deposits | 46,578,000 | 44,993,000 | 47,798,000 | 48,197,000 |
| Equity capital | 24,182,000 | 24,805,000 | 25,299,000 | 24,809,000 |
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 | 2,862,000 | 5,664,000 | 8,382,000 | 11,157,000 |
| Interest expense | 519,000 | 1,032,000 | 1,476,000 | 1,893,000 |
| Net interest income | 2,343,000 | 4,632,000 | 6,906,000 | 9,264,000 |
| Noninterest income | 206,000 | 450,000 | 865,000 | 1,241,000 |
| Noninterest expense | 1,865,000 | 3,772,000 | 5,705,000 | 7,701,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 1,100,000 |
| Pretax income | 716,000 | 1,142,000 | 1,748,000 | 1,886,000 |
| Income tax | 176,000 | 247,000 | 347,000 | 287,000 |
| Net income | 540,000 | 895,000 | 1,401,000 | 1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,649,000 | 23,005,000 | 23,510,000 | 23,464,000 |
| Total capital | 24,328,000 | 24,673,000 | 25,179,000 | 25,060,000 |
| Risk-weighted assets | 132,911,000 | 131,886,000 | 132,677,000 | 128,618,000 |
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