Call reports 2005
GRAND MARSH STATE BANK — 2005
What GRAND MARSH STATE BANK 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 | 97,995,000 | 98,886,000 | 100,177,000 | 101,491,000 |
| Total loans | 53,002,000 | 54,960,000 | 56,190,000 | 56,104,000 |
| Allowance for loan losses | 576,000 | 578,000 | 578,000 | 554,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,668,000 | 38,616,000 | 37,967,000 | 32,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,426,000 | 81,271,000 | 80,095,000 | 86,180,000 |
| Interest-bearing deposits | 71,809,000 | 71,542,000 | 68,932,000 | 75,532,000 |
| Noninterest-bearing deposits | 10,617,000 | 9,729,000 | 11,163,000 | 10,648,000 |
| Equity capital | 14,023,000 | 14,443,000 | 14,799,000 | 15,105,000 |
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 | 1,134,000 | 2,301,000 | 3,531,000 | 4,765,000 |
| Interest expense | 312,000 | 670,000 | 1,074,000 | 1,527,000 |
| Net interest income | 818,000 | 1,631,000 | 2,457,000 | 3,238,000 |
| Noninterest income | 102,000 | 213,000 | 310,000 | 405,000 |
| Noninterest expense | 379,000 | 690,000 | 1,055,000 | 1,498,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 541,000 | 1,154,000 | 1,712,000 | 2,139,000 |
| Income tax | 174,000 | 367,000 | 569,000 | 690,000 |
| Net income | 367,000 | 787,000 | 1,143,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,023,000 | 14,443,000 | 14,799,000 | 15,105,000 |
| Total capital | 14,599,000 | 15,021,000 | 15,377,000 | 15,659,000 |
| Risk-weighted assets | 55,618,000 | 81,112,000 | 58,536,000 | 57,050,000 |