Call reports 2006
GRAND RAPIDS STATE BANK — 2006
What GRAND RAPIDS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 247,392,000 | 248,993,000 | 247,558,000 | 249,519,000 |
| Total loans | 117,831,000 | 121,343,000 | 124,947,000 | 125,839,000 |
| Allowance for loan losses | 1,252,000 | 1,292,000 | 1,308,000 | 1,303,000 |
| Securities available for sale | 110,812,000 | 108,404,000 | 103,018,000 | 101,181,000 |
| Securities held to maturity | 5,032,000 | 4,782,000 | 4,779,000 | 4,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,454,000 | 215,409,000 | 212,755,000 | 211,366,000 |
| Interest-bearing deposits | 190,956,000 | 190,917,000 | 188,647,000 | 186,088,000 |
| Noninterest-bearing deposits | 22,497,000 | 24,492,000 | 24,108,000 | 25,278,000 |
| Equity capital | 23,676,000 | 22,969,000 | 25,112,000 | 25,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,290,000 | 6,706,000 | 10,287,000 | 13,897,000 |
| Interest expense | 1,459,000 | 2,981,000 | 4,574,000 | 6,244,000 |
| Net interest income | 1,831,000 | 3,725,000 | 5,713,000 | 7,653,000 |
| Noninterest income | 385,000 | 811,000 | 1,222,000 | 1,593,000 |
| Noninterest expense | 1,457,000 | 2,901,000 | 4,367,000 | 5,818,000 |
| Provision for loan losses | 60,000 | 120,000 | 135,000 | 171,000 |
| Pretax income | 699,000 | 1,515,000 | 2,343,000 | 3,176,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 698,000 | 1,512,000 | 2,339,000 | 3,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,409,000 | 25,894,000 | 26,369,000 | 26,860,000 |
| Total capital | 26,661,000 | 27,186,000 | 27,677,000 | 28,163,000 |
| Risk-weighted assets | 175,620,000 | 176,016,000 | 179,610,000 | 156,946,000 |
Machine access — free, no API key
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