Call reports 2004
GRAND BANK OF TEXAS — 2004
What GRAND BANK OF TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,494,000 | 73,108,000 | 71,970,000 | 72,613,000 |
| Total loans | 48,811,000 | 46,880,000 | 45,613,000 | 46,201,000 |
| Allowance for loan losses | 566,000 | 578,000 | 609,000 | 610,000 |
| Securities available for sale | 9,427,000 | 8,680,000 | 7,993,000 | 5,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 5,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,855,000 | 67,395,000 | 65,709,000 | 66,583,000 |
| Interest-bearing deposits | 42,833,000 | 42,762,000 | 42,431,000 | 43,721,000 |
| Noninterest-bearing deposits | 24,022,000 | 24,633,000 | 23,278,000 | 22,862,000 |
| Equity capital | 4,777,000 | 5,157,000 | 5,681,000 | 5,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,162,000 | 3,236,000 | 4,314,000 |
| Interest expense | 131,000 | 264,000 | 399,000 | 537,000 |
| Net interest income | 960,000 | 1,898,000 | 2,837,000 | 3,777,000 |
| Noninterest income | 381,000 | 809,000 | 1,266,000 | 1,526,000 |
| Noninterest expense | 1,046,000 | 2,098,000 | 3,099,000 | 3,929,000 |
| Provision for loan losses | 38,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 257,000 | 534,000 | 892,000 | 1,264,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 534,000 | 892,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,544,000 | 5,219,000 | 5,576,000 | 5,548,000 |
| Total capital | 5,139,000 | 5,826,000 | 6,214,000 | 6,187,000 |
| Risk-weighted assets | 55,327,000 | 53,999,000 | 53,777,000 | 54,098,000 |