Call reports 2006
GRAND MARSH STATE BANK — 2006
What GRAND MARSH STATE BANK 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 | 96,800,000 | 98,551,000 | 96,944,000 | 103,699,000 |
| Total loans | 56,721,000 | 58,769,000 | 58,419,000 | 59,025,000 |
| Allowance for loan losses | 578,000 | 587,000 | 599,000 | 578,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,908,000 | 23,706,000 | 24,292,000 | 32,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,978,000 | 82,374,000 | 80,351,000 | 87,804,000 |
| Interest-bearing deposits | 70,575,000 | 71,485,000 | 69,881,000 | 76,284,000 |
| Noninterest-bearing deposits | 10,403,000 | 10,889,000 | 10,470,000 | 11,520,000 |
| Equity capital | 15,498,000 | 15,897,000 | 16,266,000 | 15,609,000 |
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 | 1,299,000 | 2,652,000 | 4,052,000 | 5,510,000 |
| Interest expense | 462,000 | 943,000 | 1,498,000 | 2,092,000 |
| Net interest income | 837,000 | 1,709,000 | 2,554,000 | 3,418,000 |
| Noninterest income | 106,000 | 202,000 | 311,000 | 389,000 |
| Noninterest expense | 369,000 | 711,000 | 1,081,000 | 1,453,000 |
| Provision for loan losses | 4,000 | 12,000 | 28,000 | 68,000 |
| Pretax income | 570,000 | 1,188,000 | 1,756,000 | 2,286,000 |
| Income tax | 177,000 | 396,000 | 595,000 | 782,000 |
| Net income | 393,000 | 792,000 | 1,161,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,498,000 | 15,897,000 | 16,266,000 | 15,609,000 |
| Total capital | 16,076,000 | 16,484,000 | 16,865,000 | 16,187,000 |
| Risk-weighted assets | 58,063,000 | 59,755,000 | 59,032,000 | 61,499,000 |