Call reports 2003
GRAND BANK OF TEXAS — 2003
What GRAND BANK OF TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,483,000 | 70,380,000 | 71,280,000 | 70,683,000 |
| Total loans | 41,429,000 | 42,472,000 | 46,594,000 | 48,608,000 |
| Allowance for loan losses | 448,000 | 469,000 | 485,000 | 526,000 |
| Securities available for sale | 11,752,000 | 9,430,000 | 9,979,000 | 9,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,421,000 | 65,018,000 | 64,632,000 | 65,386,000 |
| Interest-bearing deposits | 40,646,000 | 41,581,000 | 41,655,000 | 41,602,000 |
| Noninterest-bearing deposits | 23,775,000 | 23,437,000 | 22,977,000 | 23,784,000 |
| Equity capital | 4,654,000 | 4,866,000 | 5,192,000 | 4,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 2,032,000 | 3,075,000 | 4,124,000 |
| Interest expense | 134,000 | 269,000 | 406,000 | 540,000 |
| Net interest income | 885,000 | 1,763,000 | 2,669,000 | 3,584,000 |
| Noninterest income | 346,000 | 660,000 | 1,239,000 | 1,560,000 |
| Noninterest expense | 924,000 | 1,924,000 | 2,892,000 | 3,984,000 |
| Provision for loan losses | 37,000 | 67,000 | 92,000 | 130,000 |
| Pretax income | 270,000 | 432,000 | 929,000 | 1,035,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 270,000 | 432,000 | 929,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,332,000 | 4,498,000 | 4,965,000 | 4,470,000 |
| Total capital | 4,801,000 | 4,996,000 | 5,479,000 | 5,025,000 |
| Risk-weighted assets | 47,853,000 | 50,080,000 | 53,278,000 | 53,778,000 |