Call reports 2005
GRUNDY BANK — 2005
What GRUNDY 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 | 160,140,000 | 163,578,000 | 173,357,000 | 181,326,000 |
| Total loans | 120,164,000 | 127,341,000 | 134,167,000 | 131,059,000 |
| Allowance for loan losses | 1,015,000 | 1,030,000 | 1,091,000 | 1,139,000 |
| Securities available for sale | 20,941,000 | 20,966,000 | 20,959,000 | 19,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,353,000 | 139,727,000 | 152,350,000 | 158,711,000 |
| Interest-bearing deposits | 98,129,000 | 98,586,000 | 112,116,000 | 113,040,000 |
| Noninterest-bearing deposits | 42,224,000 | 41,141,000 | 40,234,000 | 45,671,000 |
| Equity capital | 16,660,000 | 16,710,000 | 17,177,000 | 18,300,000 |
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 | 2,198,000 | 4,675,000 | 7,431,000 | 10,317,000 |
| Interest expense | 292,000 | 648,000 | 1,082,000 | 1,618,000 |
| Net interest income | 1,906,000 | 4,027,000 | 6,349,000 | 8,699,000 |
| Noninterest income | 389,000 | 807,000 | 1,236,000 | 1,682,000 |
| Noninterest expense | 1,455,000 | 3,011,000 | 4,563,000 | 6,165,000 |
| Provision for loan losses | 100,000 | 160,000 | 240,000 | 310,000 |
| Pretax income | 740,000 | 1,663,000 | 2,782,000 | 3,906,000 |
| Income tax | 5,000 | 17,000 | 27,000 | 36,000 |
| Net income | 735,000 | 1,646,000 | 2,755,000 | 3,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,502,000 | 12,546,000 | 13,016,000 | 14,161,000 |
| Total capital | 13,517,000 | 13,576,000 | 14,107,000 | 15,300,000 |
| Risk-weighted assets | 128,741,000 | 134,158,000 | 140,269,000 | 141,117,000 |
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