Call reports 2008
GRANT COUNTY DEPOSIT BANK — 2008
What GRANT COUNTY DEPOSIT BANK 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 | 98,494,000 | 100,005,000 | 99,399,000 | 101,189,000 |
| Total loans | 58,593,000 | 59,808,000 | 60,448,000 | 60,613,000 |
| Allowance for loan losses | 697,000 | 694,000 | 726,000 | 722,000 |
| Securities available for sale | 20,579,000 | 32,169,000 | 32,436,000 | 22,682,000 |
| Securities held to maturity | 224,000 | 220,000 | 214,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,273,000 | 83,395,000 | 81,339,000 | 82,857,000 |
| Interest-bearing deposits | 75,048,000 | 75,346,000 | 74,633,000 | 76,312,000 |
| Noninterest-bearing deposits | 7,225,000 | 8,049,000 | 6,706,000 | 6,545,000 |
| Equity capital | 10,166,000 | 9,936,000 | 10,247,000 | 10,281,000 |
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 | 1,582,000 | 3,117,000 | 4,655,000 | 6,180,000 |
| Interest expense | 694,000 | 1,350,000 | 1,956,000 | 2,517,000 |
| Net interest income | 888,000 | 1,767,000 | 2,699,000 | 3,663,000 |
| Noninterest income | 180,000 | 372,000 | 567,000 | 755,000 |
| Noninterest expense | 883,000 | 1,780,000 | 2,673,000 | 3,575,000 |
| Provision for loan losses | 21,000 | 21,000 | 61,000 | 201,000 |
| Pretax income | 164,000 | 338,000 | 532,000 | 642,000 |
| Income tax | 49,000 | 102,000 | 161,000 | 192,000 |
| Net income | 115,000 | 236,000 | 371,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,029,000 | 10,051,000 | 10,189,000 | 10,062,000 |
| Total capital | 10,726,000 | 10,745,000 | 10,915,000 | 10,784,000 |
| Risk-weighted assets | 57,951,000 | 58,827,000 | 58,582,000 | 58,814,000 |