Call reports 2006
GRAND BANK & TRUST OF FLORIDA — 2006
What GRAND BANK & TRUST OF FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 415,138,000 | 437,578,000 | 446,256,000 | 457,557,000 |
| Total loans | 276,799,000 | 306,123,000 | 328,808,000 | 341,372,000 |
| Allowance for loan losses | 4,223,000 | 4,465,000 | 4,470,000 | 4,500,000 |
| Securities available for sale | 70,347,000 | 88,458,000 | 71,492,000 | 68,971,000 |
| Securities held to maturity | 8,792,000 | 8,797,000 | 8,801,000 | 8,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,189,000 | 383,153,000 | 355,102,000 | 375,727,000 |
| Interest-bearing deposits | 304,997,000 | 301,286,000 | 288,816,000 | 307,011,000 |
| Noninterest-bearing deposits | 71,192,000 | 81,867,000 | 66,286,000 | 68,716,000 |
| Equity capital | 33,368,000 | 33,392,000 | 34,983,000 | 35,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,934,000 | 12,817,000 | 20,342,000 | 28,129,000 |
| Interest expense | 2,475,000 | 5,592,000 | 9,266,000 | 13,187,000 |
| Net interest income | 3,459,000 | 7,225,000 | 11,076,000 | 14,942,000 |
| Noninterest income | 549,000 | 1,158,000 | 1,763,000 | 2,387,000 |
| Noninterest expense | 3,203,000 | 6,513,000 | 9,896,000 | 13,071,000 |
| Provision for loan losses | 1,000 | 232,000 | 234,000 | 262,000 |
| Pretax income | 773,000 | 1,607,000 | 2,711,000 | 3,998,000 |
| Income tax | 235,000 | 467,000 | 804,000 | 1,210,000 |
| Net income | 538,000 | 1,140,000 | 1,907,000 | 2,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,170,000 | 34,789,000 | 35,560,000 | 36,445,000 |
| Total capital | 38,365,000 | 39,254,000 | 40,030,000 | 40,945,000 |
| Risk-weighted assets | 335,579,000 | 368,660,000 | 388,488,000 | 400,146,000 |