Call reports 2005
GRAND TIMBER BANK — 2005
What GRAND TIMBER 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 | 45,069,000 | 46,250,000 | 45,836,000 | 47,966,000 |
| Total loans | 37,993,000 | 39,414,000 | 39,773,000 | 41,913,000 |
| Allowance for loan losses | 426,000 | 431,000 | 442,000 | 438,000 |
| Securities available for sale | 779,000 | 1,275,000 | 3,012,000 | 2,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,011,000 | 38,313,000 | 37,408,000 | 38,080,000 |
| Interest-bearing deposits | 28,893,000 | 30,022,000 | 28,488,000 | 30,795,000 |
| Noninterest-bearing deposits | 8,118,000 | 8,291,000 | 8,920,000 | 7,285,000 |
| Equity capital | 3,830,000 | 3,723,000 | 3,955,000 | 4,314,000 |
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 | 770,000 | 1,526,000 | 2,342,000 | 3,216,000 |
| Interest expense | 200,000 | 412,000 | 644,000 | 914,000 |
| Net interest income | 570,000 | 1,114,000 | 1,698,000 | 2,302,000 |
| Noninterest income | 76,000 | 139,000 | 211,000 | 274,000 |
| Noninterest expense | 226,000 | 502,000 | 755,000 | 1,048,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 410,000 | 741,000 | 1,144,000 | 1,518,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 410,000 | 741,000 | 1,143,000 | 1,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,807,000 | 3,705,000 | 3,955,000 | 4,316,000 |
| Total capital | 4,233,000 | 4,136,000 | 4,397,000 | 4,754,000 |
| Risk-weighted assets | 36,210,000 | 37,013,000 | 37,377,000 | 39,603,000 |