Call reports 2008
GRAND BANK OF TEXAS — 2008
What GRAND BANK OF TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 108,834,000 | 105,287,000 | 109,995,000 | 105,786,000 |
| Total loans | 67,110,000 | 73,679,000 | 76,175,000 | 76,272,000 |
| Allowance for loan losses | 806,000 | 868,000 | 911,000 | 900,000 |
| Securities available for sale | 7,683,000 | 6,526,000 | 6,534,000 | 5,628,000 |
| Securities held to maturity | 986,000 | 4,179,000 | 4,062,000 | 3,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,860,000 | 97,293,000 | 100,897,000 | 97,734,000 |
| Interest-bearing deposits | 70,682,000 | 69,118,000 | 72,632,000 | 69,233,000 |
| Noninterest-bearing deposits | 30,178,000 | 28,175,000 | 28,265,000 | 28,501,000 |
| Equity capital | 7,525,000 | 7,514,000 | 8,516,000 | 7,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,663,000 | 3,307,000 | 4,962,000 | 6,606,000 |
| Interest expense | 460,000 | 822,000 | 1,130,000 | 1,504,000 |
| Net interest income | 1,203,000 | 2,485,000 | 3,832,000 | 5,102,000 |
| Noninterest income | 255,000 | 619,000 | 905,000 | 1,209,000 |
| Noninterest expense | 1,283,000 | 2,646,000 | 4,071,000 | 5,415,000 |
| Provision for loan losses | 45,000 | 105,000 | 165,000 | 225,000 |
| Pretax income | 149,000 | 382,000 | 530,000 | -283,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 382,000 | 530,000 | -283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,392,000 | 7,526,000 | 8,499,000 | 7,515,000 |
| Total capital | 8,222,000 | 8,418,000 | 9,434,000 | 8,439,000 |
| Risk-weighted assets | 78,270,000 | 82,219,000 | 85,313,000 | 84,167,000 |