Call reports 2008
GRAND RIDGE NATIONAL BANK — 2008
What GRAND RIDGE NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,617,000 | 31,151,000 | 31,559,000 | 31,682,000 |
| Total loans | 10,039,000 | 10,715,000 | 10,549,000 | 11,118,000 |
| Allowance for loan losses | 176,000 | 176,000 | 108,000 | 105,000 |
| Securities available for sale | 15,656,000 | 17,127,000 | 17,850,000 | 17,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,349,000 | 27,611,000 | 25,901,000 | 25,610,000 |
| Interest-bearing deposits | 21,953,000 | 24,021,000 | 22,965,000 | 22,709,000 |
| Noninterest-bearing deposits | 3,397,000 | 3,590,000 | 2,936,000 | 2,901,000 |
| Equity capital | 3,805,000 | 3,460,000 | 3,545,000 | 3,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 389,000 | 785,000 | 1,186,000 | 1,591,000 |
| Interest expense | 164,000 | 322,000 | 467,000 | 606,000 |
| Net interest income | 225,000 | 463,000 | 719,000 | 985,000 |
| Noninterest income | 12,000 | 24,000 | 43,000 | 60,000 |
| Noninterest expense | 181,000 | 332,000 | 586,000 | 768,000 |
| Provision for loan losses | 0 | 0 | 99,000 | 99,000 |
| Pretax income | 56,000 | 155,000 | 77,000 | 178,000 |
| Income tax | 22,000 | 44,000 | 0 | -13,000 |
| Net income | 34,000 | 111,000 | 77,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,617,000 | 3,492,000 | 3,458,000 | 3,572,000 |
| Total capital | 3,781,000 | 3,667,000 | 3,566,000 | 3,677,000 |
| Risk-weighted assets | 13,092,000 | 13,974,000 | 13,772,000 | 14,251,000 |
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