Call reports 2005
GRAND BANK & TRUST OF FLORIDA — 2005
What GRAND BANK & TRUST OF FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 370,694,000 | 366,792,000 | 383,841,000 | 389,933,000 |
| Total loans | 221,803,000 | 255,128,000 | 273,066,000 | 281,973,000 |
| Allowance for loan losses | 3,300,000 | 3,725,000 | 4,000,000 | 4,230,000 |
| Securities available for sale | 66,520,000 | 68,866,000 | 64,420,000 | 63,221,000 |
| Securities held to maturity | 8,776,000 | 8,780,000 | 8,784,000 | 8,788,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,022,000 | 316,499,000 | 343,123,000 | 328,649,000 |
| Interest-bearing deposits | 234,896,000 | 234,727,000 | 262,979,000 | 253,493,000 |
| Noninterest-bearing deposits | 93,126,000 | 81,772,000 | 80,144,000 | 75,156,000 |
| Equity capital | 30,312,000 | 31,815,000 | 32,315,000 | 32,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,082,000 | 8,830,000 | 14,147,000 | 19,883,000 |
| Interest expense | 1,161,000 | 2,603,000 | 4,396,000 | 6,642,000 |
| Net interest income | 2,921,000 | 6,227,000 | 9,751,000 | 13,241,000 |
| Noninterest income | 614,000 | 2,127,000 | 2,756,000 | 3,613,000 |
| Noninterest expense | 2,396,000 | 5,103,000 | 7,797,000 | 10,817,000 |
| Provision for loan losses | 296,000 | 718,000 | 992,000 | 1,191,000 |
| Pretax income | 843,000 | 2,533,000 | 3,718,000 | 4,846,000 |
| Income tax | 291,000 | 880,000 | 1,270,000 | 1,624,000 |
| Net income | 552,000 | 1,653,000 | 2,448,000 | 3,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,919,000 | 32,020,000 | 32,815,000 | 33,589,000 |
| Total capital | 34,219,000 | 35,745,000 | 36,776,000 | 37,746,000 |
| Risk-weighted assets | 271,330,000 | 299,031,000 | 316,821,000 | 332,508,000 |