Call reports 2009
GRAND RIDGE NATIONAL BANK — 2009
What GRAND RIDGE NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 33,187,000 | 33,316,000 | 35,622,000 | 35,226,000 |
| Total loans | 9,279,000 | 9,786,000 | 10,331,000 | 11,094,000 |
| Allowance for loan losses | 105,000 | 99,000 | 99,000 | 103,000 |
| Securities available for sale | 18,496,000 | 20,551,000 | 21,110,000 | 21,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,640,000 | 28,400,000 | 28,433,000 | 27,764,000 |
| Interest-bearing deposits | 23,858,000 | 24,381,000 | 25,031,000 | 24,075,000 |
| Noninterest-bearing deposits | 3,782,000 | 4,019,000 | 3,402,000 | 3,689,000 |
| Equity capital | 3,910,000 | 3,951,000 | 4,326,000 | 4,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 790,000 | 1,192,000 | 1,605,000 |
| Interest expense | 123,000 | 245,000 | 360,000 | 474,000 |
| Net interest income | 276,000 | 545,000 | 832,000 | 1,131,000 |
| Noninterest income | 13,000 | 26,000 | 16,000 | 54,000 |
| Noninterest expense | 197,000 | 373,000 | 532,000 | 850,000 |
| Provision for loan losses | 0 | 8,000 | 8,000 | 113,000 |
| Pretax income | 92,000 | 190,000 | 308,000 | 222,000 |
| Income tax | 20,000 | 30,000 | 40,000 | -22,000 |
| Net income | 72,000 | 160,000 | 268,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,644,000 | 3,732,000 | 3,840,000 | 3,726,000 |
| Total capital | 3,749,000 | 3,831,000 | 3,939,000 | 3,829,000 |
| Risk-weighted assets | 12,930,000 | 13,440,000 | 14,351,000 | 14,906,000 |
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