Call reports 2007
GRANT COUNTY DEPOSIT BANK — 2007
What GRANT COUNTY DEPOSIT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 96,879,000 | 93,569,000 | 92,365,000 | 96,233,000 |
| Total loans | 58,310,000 | 58,864,000 | 58,627,000 | 59,527,000 |
| Allowance for loan losses | 677,000 | 684,000 | 685,000 | 685,000 |
| Securities available for sale | 26,965,000 | 26,781,000 | 27,129,000 | 27,383,000 |
| Securities held to maturity | 315,000 | 314,000 | 269,000 | 224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,816,000 | 77,286,000 | 75,958,000 | 80,083,000 |
| Interest-bearing deposits | 72,981,000 | 69,962,000 | 68,753,000 | 72,840,000 |
| Noninterest-bearing deposits | 6,835,000 | 7,324,000 | 7,205,000 | 7,243,000 |
| Equity capital | 9,463,000 | 9,370,000 | 9,741,000 | 9,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,528,000 | 3,091,000 | 4,650,000 | 6,259,000 |
| Interest expense | 741,000 | 1,486,000 | 2,211,000 | 2,927,000 |
| Net interest income | 787,000 | 1,605,000 | 2,439,000 | 3,332,000 |
| Noninterest income | 162,000 | 363,000 | 570,000 | 761,000 |
| Noninterest expense | 889,000 | 1,762,000 | 2,604,000 | 3,431,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 60,000 | 196,000 | 395,000 | 652,000 |
| Income tax | 11,000 | 53,000 | 111,000 | 191,000 |
| Net income | 49,000 | 143,000 | 284,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,746,000 | 9,748,000 | 9,891,000 | 9,912,000 |
| Total capital | 10,423,000 | 10,432,000 | 10,576,000 | 10,597,000 |
| Risk-weighted assets | 57,755,000 | 57,979,000 | 57,075,000 | 58,439,000 |