Call reports 2005
GRAND RAPIDS STATE BANK — 2005
What GRAND RAPIDS STATE 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 | 244,703,000 | 245,586,000 | 257,561,000 | 248,844,000 |
| Total loans | 109,341,000 | 107,663,000 | 112,901,000 | 117,111,000 |
| Allowance for loan losses | 1,388,000 | 1,464,000 | 1,563,000 | 1,282,000 |
| Securities available for sale | 114,792,000 | 113,291,000 | 119,707,000 | 112,286,000 |
| Securities held to maturity | 6,685,000 | 6,169,000 | 6,169,000 | 6,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,287,000 | 214,568,000 | 224,395,000 | 213,427,000 |
| Interest-bearing deposits | 192,121,000 | 191,784,000 | 198,274,000 | 186,318,000 |
| Noninterest-bearing deposits | 23,167,000 | 22,784,000 | 26,121,000 | 27,109,000 |
| Equity capital | 23,266,000 | 24,585,000 | 24,434,000 | 23,463,000 |
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 | 3,048,000 | 6,154,000 | 9,365,000 | 12,735,000 |
| Interest expense | 1,050,000 | 2,142,000 | 3,361,000 | 4,731,000 |
| Net interest income | 1,998,000 | 4,012,000 | 6,004,000 | 8,004,000 |
| Noninterest income | 293,000 | 619,000 | 972,000 | 1,361,000 |
| Noninterest expense | 1,498,000 | 2,986,000 | 4,489,000 | 6,079,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 334,000 |
| Pretax income | 739,000 | 1,540,000 | 2,322,000 | 2,965,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 738,000 | 1,537,000 | 2,318,000 | 2,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,956,000 | 24,138,000 | 24,564,000 | 24,995,000 |
| Total capital | 25,344,000 | 25,603,000 | 26,127,000 | 26,277,000 |
| Risk-weighted assets | 162,778,000 | 163,940,000 | 172,513,000 | 176,303,000 |
Machine access — free, no API key
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