Call reports 2010
GRAND MARSH STATE BANK — 2010
What GRAND MARSH STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 111,230,000 | 115,390,000 | 112,701,000 | 118,623,000 |
| Total loans | 60,229,000 | 62,648,000 | 59,959,000 | 63,759,000 |
| Allowance for loan losses | 665,000 | 710,000 | 725,000 | 709,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 41,105,000 | 42,130,000 | 46,325,000 | 44,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,869,000 | 97,556,000 | 94,262,000 | 100,042,000 |
| Interest-bearing deposits | 81,719,000 | 83,697,000 | 83,384,000 | 87,338,000 |
| Noninterest-bearing deposits | 12,150,000 | 13,859,000 | 10,878,000 | 12,704,000 |
| Equity capital | 17,223,000 | 17,604,000 | 18,041,000 | 18,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,192,000 | 2,401,000 | 3,646,000 | 4,755,000 |
| Interest expense | 306,000 | 591,000 | 868,000 | 1,127,000 |
| Net interest income | 886,000 | 1,810,000 | 2,778,000 | 3,628,000 |
| Noninterest income | 124,000 | 255,000 | 361,000 | 457,000 |
| Noninterest expense | 405,000 | 826,000 | 1,222,000 | 1,827,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 195,000 |
| Pretax income | 560,000 | 1,149,000 | 1,782,000 | 2,063,000 |
| Income tax | 197,000 | 405,000 | 601,000 | 569,000 |
| Net income | 363,000 | 744,000 | 1,181,000 | 1,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,223,000 | 17,604,000 | 18,041,000 | 18,355,000 |
| Total capital | 17,888,000 | 18,314,000 | 18,766,000 | 19,064,000 |
| Risk-weighted assets | 58,359,000 | 62,557,000 | 59,884,000 | 64,862,000 |