Call reports 2004
GRUNDY BANK — 2004
What GRUNDY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 146,473,000 | 146,693,000 | 148,506,000 | 157,181,000 |
| Total loans | 103,571,000 | 104,478,000 | 106,932,000 | 112,002,000 |
| Allowance for loan losses | 829,000 | 893,000 | 892,000 | 941,000 |
| Securities available for sale | 19,822,000 | 21,077,000 | 24,214,000 | 21,055,000 |
| Securities held to maturity | 1,024,000 | 1,017,000 | 1,011,000 | 1,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,818,000 | 128,484,000 | 128,712,000 | 137,635,000 |
| Interest-bearing deposits | 92,770,000 | 93,010,000 | 92,776,000 | 95,896,000 |
| Noninterest-bearing deposits | 35,048,000 | 35,474,000 | 35,936,000 | 41,739,000 |
| Equity capital | 15,876,000 | 15,477,000 | 15,843,000 | 16,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,834,000 | 3,752,000 | 5,749,000 | 7,872,000 |
| Interest expense | 280,000 | 562,000 | 849,000 | 1,138,000 |
| Net interest income | 1,554,000 | 3,190,000 | 4,900,000 | 6,734,000 |
| Noninterest income | 415,000 | 876,000 | 1,283,000 | 1,710,000 |
| Noninterest expense | 1,446,000 | 2,875,000 | 4,276,000 | 5,674,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 175,000 |
| Pretax income | 523,000 | 1,151,000 | 1,867,000 | 2,595,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 52,000 |
| Net income | 509,000 | 1,123,000 | 1,825,000 | 2,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,333,000 | 11,162,000 | 11,487,000 | 12,235,000 |
| Total capital | 12,162,000 | 12,055,000 | 12,379,000 | 13,176,000 |
| Risk-weighted assets | 112,442,000 | 113,179,000 | 115,811,000 | 121,678,000 |
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