Call reports 2003
GRANT COUNTY DEPOSIT BANK — 2003
What GRANT COUNTY DEPOSIT BANK 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 | 86,790,000 | 87,807,000 | 86,804,000 | 91,390,000 |
| Total loans | 48,643,000 | 50,513,000 | 51,539,000 | 52,888,000 |
| Allowance for loan losses | 654,000 | 647,000 | 626,000 | 662,000 |
| Securities available for sale | 27,071,000 | 23,073,000 | 26,117,000 | 23,523,000 |
| Securities held to maturity | 984,000 | 873,000 | 833,000 | 833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,357,000 | 77,176,000 | 76,107,000 | 78,913,000 |
| Interest-bearing deposits | 70,701,000 | 70,759,000 | 69,837,000 | 72,469,000 |
| Noninterest-bearing deposits | 5,656,000 | 6,417,000 | 6,270,000 | 6,444,000 |
| Equity capital | 9,573,000 | 9,667,000 | 9,579,000 | 9,552,000 |
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 | 1,275,000 | 2,509,000 | 3,713,000 | 4,936,000 |
| Interest expense | 460,000 | 900,000 | 1,252,000 | 1,592,000 |
| Net interest income | 815,000 | 1,609,000 | 2,461,000 | 3,344,000 |
| Noninterest income | 163,000 | 329,000 | 517,000 | 691,000 |
| Noninterest expense | 766,000 | 1,507,000 | 2,274,000 | 3,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 212,000 | 431,000 | 704,000 | 988,000 |
| Income tax | 86,000 | 151,000 | 236,000 | 322,000 |
| Net income | 126,000 | 280,000 | 468,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,283,000 | 9,354,000 | 9,543,000 | 9,585,000 |
| Total capital | 9,909,000 | 10,000,000 | 10,169,000 | 10,247,000 |
| Risk-weighted assets | 50,037,000 | 51,710,000 | 52,424,000 | 54,030,000 |