Call reports 2005
GRAND BANK OF TEXAS — 2005
What GRAND BANK OF TEXAS 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 | 71,836,000 | 70,532,000 | 74,214,000 | 75,977,000 |
| Total loans | 45,668,000 | 44,140,000 | 44,757,000 | 45,481,000 |
| Allowance for loan losses | 648,000 | 683,000 | 703,000 | 715,000 |
| Securities available for sale | 5,639,000 | 5,669,000 | 5,561,000 | 5,414,000 |
| Securities held to maturity | 4,921,000 | 4,804,000 | 4,653,000 | 4,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,076,000 | 64,315,000 | 68,241,000 | 69,840,000 |
| Interest-bearing deposits | 42,449,000 | 42,265,000 | 42,412,000 | 45,924,000 |
| Noninterest-bearing deposits | 23,627,000 | 22,050,000 | 25,829,000 | 23,916,000 |
| Equity capital | 5,334,000 | 5,656,000 | 5,354,000 | 5,599,000 |
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 | 1,106,000 | 2,288,000 | 3,481,000 | 4,756,000 |
| Interest expense | 140,000 | 296,000 | 468,000 | 669,000 |
| Net interest income | 966,000 | 1,992,000 | 3,013,000 | 4,087,000 |
| Noninterest income | 297,000 | 570,000 | 844,000 | 1,044,000 |
| Noninterest expense | 975,000 | 2,023,000 | 3,100,000 | 4,029,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 250,000 | 464,000 | 644,000 | 952,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 464,000 | 644,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,399,000 | 5,613,000 | 5,371,000 | 5,680,000 |
| Total capital | 6,073,000 | 6,268,000 | 6,039,000 | 6,359,000 |
| Risk-weighted assets | 53,917,000 | 52,306,000 | 53,342,000 | 54,242,000 |