Call reports 2004
GRAND BANK & TRUST OF FLORIDA — 2004
What GRAND BANK & TRUST OF FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 222,210,000 | 243,527,000 | 248,854,000 | 331,811,000 |
| Total loans | 160,767,000 | 179,420,000 | 198,063,000 | 213,549,000 |
| Allowance for loan losses | 2,325,000 | 2,550,000 | 2,765,000 | 3,000,000 |
| Securities available for sale | 24,420,000 | 35,319,000 | 28,746,000 | 44,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,078,000 | 211,130,000 | 214,167,000 | 295,505,000 |
| Interest-bearing deposits | 133,271,000 | 148,866,000 | 149,921,000 | 223,822,000 |
| Noninterest-bearing deposits | 61,807,000 | 62,264,000 | 64,246,000 | 71,683,000 |
| Equity capital | 16,949,000 | 21,674,000 | 22,642,000 | 30,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,556,000 | 5,387,000 | 8,573,000 | 12,119,000 |
| Interest expense | 426,000 | 948,000 | 1,607,000 | 2,451,000 |
| Net interest income | 2,130,000 | 4,439,000 | 6,966,000 | 9,668,000 |
| Noninterest income | 559,000 | 1,049,000 | 1,574,000 | 2,227,000 |
| Noninterest expense | 1,943,000 | 3,982,000 | 6,066,000 | 8,086,000 |
| Provision for loan losses | 221,000 | 450,000 | 675,000 | 896,000 |
| Pretax income | 526,000 | 1,057,000 | 1,799,000 | 2,913,000 |
| Income tax | 190,000 | 382,000 | 652,000 | 1,060,000 |
| Net income | 336,000 | 675,000 | 1,147,000 | 1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,726,000 | 22,065,000 | 22,661,000 | 30,367,000 |
| Total capital | 19,039,000 | 24,615,000 | 25,365,000 | 33,367,000 |
| Risk-weighted assets | 185,047,000 | 205,414,000 | 216,293,000 | 250,019,000 |