Call reports 2005
GRANT COUNTY BANK, THE — 2005
What GRANT COUNTY BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 177,329,000 | 178,282,000 | 180,873,000 | 205,426,000 |
| Total loans | 145,129,000 | 145,224,000 | 147,669,000 | 160,900,000 |
| Allowance for loan losses | 1,429,000 | 1,531,000 | 1,629,000 | 1,798,000 |
| Securities available for sale | 15,574,000 | 14,092,000 | 14,556,000 | 17,569,000 |
| Securities held to maturity | 470,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,734,000 | 148,540,000 | 150,821,000 | 175,235,000 |
| Interest-bearing deposits | 124,655,000 | 125,710,000 | 125,763,000 | 144,901,000 |
| Noninterest-bearing deposits | 23,079,000 | 22,830,000 | 25,058,000 | 30,333,000 |
| Equity capital | 19,140,000 | 19,588,000 | 20,037,000 | 20,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,635,000 | 5,345,000 | 8,166,000 | 11,292,000 |
| Interest expense | 679,000 | 1,440,000 | 2,251,000 | 3,148,000 |
| Net interest income | 1,956,000 | 3,905,000 | 5,915,000 | 8,144,000 |
| Noninterest income | 144,000 | 334,000 | 564,000 | 754,000 |
| Noninterest expense | 1,103,000 | 2,254,000 | 3,404,000 | 4,675,000 |
| Provision for loan losses | 120,000 | 240,000 | 405,000 | 525,000 |
| Pretax income | 877,000 | 1,745,000 | 2,670,000 | 3,698,000 |
| Income tax | 312,000 | 621,000 | 951,000 | 1,328,000 |
| Net income | 565,000 | 1,124,000 | 1,719,000 | 2,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,153,000 | 19,571,000 | 20,025,000 | 18,650,000 |
| Total capital | 20,582,000 | 21,102,000 | 21,654,000 | 20,448,000 |
| Risk-weighted assets | 132,291,000 | 132,381,000 | 135,072,000 | 149,554,000 |