Call reports 2009
GRAND MARSH STATE BANK — 2009
What GRAND MARSH STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 103,965,000 | 105,962,000 | 106,216,000 | 116,532,000 |
| Total loans | 62,288,000 | 61,708,000 | 61,755,000 | 68,051,000 |
| Allowance for loan losses | 597,000 | 623,000 | 644,000 | 645,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,729,000 | 30,443,000 | 35,549,000 | 41,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,720,000 | 89,453,000 | 89,458,000 | 95,717,000 |
| Interest-bearing deposits | 76,371,000 | 78,601,000 | 78,099,000 | 82,366,000 |
| Noninterest-bearing deposits | 11,349,000 | 10,852,000 | 11,359,000 | 13,351,000 |
| Equity capital | 16,031,000 | 16,293,000 | 16,474,000 | 16,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,375,000 | 3,598,000 | 4,884,000 |
| Interest expense | 400,000 | 762,000 | 1,108,000 | 1,431,000 |
| Net interest income | 823,000 | 1,613,000 | 2,490,000 | 3,453,000 |
| Noninterest income | 95,000 | 210,000 | 317,000 | 425,000 |
| Noninterest expense | 413,000 | 843,000 | 1,280,000 | 1,724,000 |
| Provision for loan losses | 15,000 | 40,000 | 335,000 | 475,000 |
| Pretax income | 490,000 | 940,000 | 1,192,000 | 1,679,000 |
| Income tax | 156,000 | 344,000 | 415,000 | 516,000 |
| Net income | 334,000 | 596,000 | 777,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,031,000 | 16,293,000 | 16,474,000 | 16,860,000 |
| Total capital | 16,628,000 | 16,916,000 | 17,118,000 | 17,505,000 |
| Risk-weighted assets | 58,573,000 | 58,401,000 | 59,947,000 | 69,053,000 |