Call reports 2004
GRANT COUNTY BANK, THE — 2004
What GRANT COUNTY BANK, THE 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 | 171,067,000 | 173,332,000 | 169,290,000 | 172,047,000 |
| Total loans | 129,128,000 | 132,259,000 | 137,134,000 | 142,260,000 |
| Allowance for loan losses | 1,449,000 | 1,241,000 | 1,210,000 | 1,343,000 |
| Securities available for sale | 15,652,000 | 18,037,000 | 16,678,000 | 15,968,000 |
| Securities held to maturity | 472,000 | 471,000 | 471,000 | 471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,376,000 | 151,497,000 | 145,700,000 | 146,170,000 |
| Interest-bearing deposits | 128,266,000 | 128,113,000 | 123,862,000 | 124,044,000 |
| Noninterest-bearing deposits | 21,110,000 | 23,384,000 | 21,838,000 | 22,126,000 |
| Equity capital | 16,353,000 | 16,735,000 | 18,440,000 | 18,794,000 |
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 | 2,468,000 | 4,970,000 | 7,465,000 | 10,030,000 |
| Interest expense | 667,000 | 1,277,000 | 1,864,000 | 2,456,000 |
| Net interest income | 1,801,000 | 3,693,000 | 5,601,000 | 7,574,000 |
| Noninterest income | 159,000 | 342,000 | 516,000 | 688,000 |
| Noninterest expense | 1,092,000 | 2,207,000 | 3,322,000 | 4,497,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 580,000 |
| Pretax income | 748,000 | 1,588,000 | 2,435,000 | 3,185,000 |
| Income tax | 260,000 | 555,000 | 853,000 | 1,105,000 |
| Net income | 488,000 | 1,033,000 | 1,582,000 | 2,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,195,000 | 16,693,000 | 18,345,000 | 18,754,000 |
| Total capital | 17,644,000 | 17,934,000 | 19,555,000 | 20,097,000 |
| Risk-weighted assets | 121,695,000 | 124,248,000 | 126,361,000 | 129,322,000 |