Call reports 2010
GRAND RIVER BANK — 2010
What GRAND RIVER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 32,752,000 | 41,403,000 | 44,417,000 | 51,747,000 |
| Total loans | 20,496,000 | 30,847,000 | 36,176,000 | 43,580,000 |
| Allowance for loan losses | 206,000 | 308,000 | 364,000 | 458,000 |
| Securities available for sale | 4,425,000 | 4,351,000 | 3,608,000 | 3,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,426,000 | 30,327,000 | 33,558,000 | 41,176,000 |
| Interest-bearing deposits | 17,171,000 | 26,066,000 | 28,497,000 | 36,107,000 |
| Noninterest-bearing deposits | 4,255,000 | 4,261,000 | 5,061,000 | 5,069,000 |
| Equity capital | 11,202,000 | 10,883,000 | 10,655,000 | 10,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 241,000 | 610,000 | 1,091,000 | 1,658,000 |
| Interest expense | 61,000 | 160,000 | 285,000 | 427,000 |
| Net interest income | 180,000 | 450,000 | 806,000 | 1,231,000 |
| Noninterest income | 5,000 | 17,000 | 27,000 | 37,000 |
| Noninterest expense | 511,000 | 1,046,000 | 1,583,000 | 2,109,000 |
| Provision for loan losses | 72,000 | 174,000 | 230,000 | 324,000 |
| Pretax income | -398,000 | -753,000 | -980,000 | -1,165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -398,000 | -753,000 | -980,000 | -1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,196,000 | 10,843,000 | 10,617,000 | 10,431,000 |
| Total capital | 11,402,000 | 11,151,000 | 10,981,000 | 10,889,000 |
| Risk-weighted assets | 21,253,000 | 30,862,000 | 35,487,000 | 41,876,000 |
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