Call reports 2004
GRANT COUNTY DEPOSIT BANK — 2004
What GRANT COUNTY DEPOSIT BANK 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 | 91,613,000 | 93,407,000 | 91,804,000 | 92,391,000 |
| Total loans | 52,374,000 | 53,621,000 | 54,029,000 | 55,077,000 |
| Allowance for loan losses | 636,000 | 667,000 | 668,000 | 679,000 |
| Securities available for sale | 26,836,000 | 26,887,000 | 27,436,000 | 24,423,000 |
| Securities held to maturity | 838,000 | 700,000 | 690,000 | 645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,738,000 | 78,218,000 | 75,950,000 | 77,370,000 |
| Interest-bearing deposits | 71,822,000 | 70,622,000 | 69,883,000 | 71,434,000 |
| Noninterest-bearing deposits | 5,916,000 | 7,596,000 | 6,067,000 | 5,936,000 |
| Equity capital | 9,956,000 | 9,303,000 | 9,901,000 | 9,512,000 |
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 | 1,231,000 | 2,429,000 | 3,703,000 | 4,969,000 |
| Interest expense | 334,000 | 668,000 | 1,029,000 | 1,413,000 |
| Net interest income | 897,000 | 1,761,000 | 2,674,000 | 3,556,000 |
| Noninterest income | 160,000 | 334,000 | 535,000 | 709,000 |
| Noninterest expense | 778,000 | 1,564,000 | 2,334,000 | 3,157,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 70,000 |
| Pretax income | 279,000 | 491,000 | 835,000 | 1,038,000 |
| Income tax | 83,000 | 145,000 | 253,000 | 312,000 |
| Net income | 196,000 | 346,000 | 582,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,783,000 | 9,659,000 | 9,897,000 | 9,583,000 |
| Total capital | 10,419,000 | 10,326,000 | 10,565,000 | 10,262,000 |
| Risk-weighted assets | 53,141,000 | 54,835,000 | 54,247,000 | 55,046,000 |