Call reports 2005
NATIONAL GRAND BANK OF MARBLEHEAD — 2005
What NATIONAL GRAND BANK OF MARBLEHEAD 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 | 205,030,000 | 217,695,000 | 213,618,000 | 218,207,000 |
| Total loans | 137,566,000 | 145,885,000 | 149,619,000 | 154,955,000 |
| Allowance for loan losses | 1,862,000 | 1,830,000 | 1,809,000 | 1,784,000 |
| Securities available for sale | 50,321,000 | 49,908,000 | 47,319,000 | 45,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,288,000 | 196,348,000 | 191,934,000 | 187,923,000 |
| Interest-bearing deposits | 144,855,000 | 152,452,000 | 151,991,000 | 147,766,000 |
| Noninterest-bearing deposits | 39,433,000 | 43,896,000 | 39,943,000 | 40,157,000 |
| Equity capital | 19,856,000 | 20,398,000 | 20,509,000 | 20,271,000 |
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 | 2,511,000 | 5,108,000 | 7,878,000 | 10,682,000 |
| Interest expense | 538,000 | 1,140,000 | 1,852,000 | 2,610,000 |
| Net interest income | 1,973,000 | 3,968,000 | 6,026,000 | 8,072,000 |
| Noninterest income | 467,000 | 1,004,000 | 1,552,000 | 2,110,000 |
| Noninterest expense | 1,280,000 | 2,670,000 | 4,088,000 | 5,633,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,160,000 | 2,302,000 | 3,489,000 | 4,549,000 |
| Income tax | 425,000 | 853,000 | 1,289,000 | 1,685,000 |
| Net income | 735,000 | 1,449,000 | 2,200,000 | 2,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,111,000 | 20,417,000 | 20,749,000 | 20,575,000 |
| Total capital | 21,601,000 | 21,969,000 | 22,315,000 | 22,186,000 |
| Risk-weighted assets | 118,866,000 | 123,889,000 | 125,000,000 | 128,685,000 |