Call reports 2005
GRANT COUNTY STATE BANK — 2005
What GRANT COUNTY 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 | 23,582,000 | 22,942,000 | 22,584,000 | 24,184,000 |
| Total loans | 14,379,000 | 17,196,000 | 18,307,000 | 16,219,000 |
| Allowance for loan losses | 244,000 | 244,000 | 244,000 | 244,000 |
| Securities available for sale | 149,000 | 150,000 | 100,000 | 491,000 |
| Securities held to maturity | 95,000 | 60,000 | 60,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,744,000 | 20,044,000 | 19,329,000 | 21,289,000 |
| Interest-bearing deposits | 16,954,000 | 16,756,000 | 16,351,000 | 17,352,000 |
| Noninterest-bearing deposits | 3,790,000 | 3,288,000 | 2,978,000 | 3,937,000 |
| Equity capital | 2,600,000 | 2,665,000 | 2,774,000 | 2,706,000 |
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 | 281,000 | 615,000 | 981,000 | 1,362,000 |
| Interest expense | 68,000 | 148,000 | 230,000 | 329,000 |
| Net interest income | 213,000 | 467,000 | 751,000 | 1,033,000 |
| Noninterest income | 21,000 | 44,000 | 71,000 | 125,000 |
| Noninterest expense | 140,000 | 287,000 | 414,000 | 589,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 94,000 | 224,000 | 408,000 | 569,000 |
| Income tax | 0 | 0 | 0 | 39,000 |
| Net income | 94,000 | 224,000 | 408,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,600,000 | 2,665,000 | 2,774,000 | 2,706,000 |
| Total capital | 2,782,000 | 2,866,000 | 2,988,000 | 2,912,000 |
| Risk-weighted assets | 14,499,000 | 15,998,000 | 17,059,000 | 16,438,000 |