Call reports 2005
GRAND BANK — 2005
What GRAND BANK 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 | 182,047,000 | 196,363,000 | 189,014,000 | 218,532,000 |
| Total loans | 73,692,000 | 87,159,000 | 85,851,000 | 97,175,000 |
| Allowance for loan losses | 855,000 | 880,000 | 921,000 | 1,034,000 |
| Securities available for sale | 55,907,000 | 55,747,000 | 70,642,000 | 69,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,882,000 | 172,640,000 | 162,134,000 | 187,214,000 |
| Interest-bearing deposits | 102,665,000 | 113,036,000 | 110,191,000 | 124,494,000 |
| Noninterest-bearing deposits | 52,217,000 | 59,604,000 | 51,943,000 | 62,720,000 |
| Equity capital | 14,245,000 | 14,674,000 | 15,335,000 | 19,951,000 |
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 | 1,711,000 | 3,736,000 | 6,044,000 | 8,684,000 |
| Interest expense | 478,000 | 1,086,000 | 1,807,000 | 2,674,000 |
| Net interest income | 1,233,000 | 2,650,000 | 4,237,000 | 6,010,000 |
| Noninterest income | 21,000 | 48,000 | 75,000 | 110,000 |
| Noninterest expense | 858,000 | 1,757,000 | 2,646,000 | 3,767,000 |
| Provision for loan losses | 75,000 | 100,000 | 141,000 | 254,000 |
| Pretax income | 321,000 | 841,000 | 1,525,000 | 2,099,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 841,000 | 1,525,000 | 2,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,764,000 | 15,284,000 | 15,967,000 | 20,809,000 |
| Total capital | 15,619,000 | 16,164,000 | 16,888,000 | 21,843,000 |
| Risk-weighted assets | 102,561,000 | 115,307,000 | 119,120,000 | 134,486,000 |