Call reports 2003
GRANT COUNTY BANK, THE — 2003
What GRANT COUNTY BANK, THE 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 | 173,057,000 | 175,929,000 | 173,705,000 | 173,531,000 |
| Total loans | 127,207,000 | 128,734,000 | 127,889,000 | 130,581,000 |
| Allowance for loan losses | 1,069,000 | 1,199,000 | 1,314,000 | 1,338,000 |
| Securities available for sale | 17,622,000 | 18,068,000 | 18,341,000 | 18,308,000 |
| Securities held to maturity | 474,000 | 473,000 | 473,000 | 472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,159,000 | 155,798,000 | 152,957,000 | 152,457,000 |
| Interest-bearing deposits | 134,458,000 | 133,365,000 | 131,250,000 | 131,484,000 |
| Noninterest-bearing deposits | 19,700,000 | 22,433,000 | 21,706,000 | 20,973,000 |
| Equity capital | 15,774,000 | 16,050,000 | 16,199,000 | 15,964,000 |
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 | 2,593,000 | 5,233,000 | 7,832,000 | 10,384,000 |
| Interest expense | 943,000 | 1,834,000 | 2,656,000 | 3,384,000 |
| Net interest income | 1,650,000 | 3,399,000 | 5,176,000 | 7,000,000 |
| Noninterest income | 141,000 | 283,000 | 431,000 | 555,000 |
| Noninterest expense | 999,000 | 1,999,000 | 3,035,000 | 4,178,000 |
| Provision for loan losses | 120,000 | 280,000 | 425,000 | 630,000 |
| Pretax income | 672,000 | 1,403,000 | 2,147,000 | 2,747,000 |
| Income tax | 224,000 | 474,000 | 730,000 | 946,000 |
| Net income | 448,000 | 929,000 | 1,417,000 | 1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,583,000 | 15,865,000 | 16,105,000 | 15,814,000 |
| Total capital | 16,652,000 | 17,064,000 | 17,419,000 | 17,152,000 |
| Risk-weighted assets | 122,137,000 | 123,399,000 | 122,656,000 | 123,496,000 |