Call reports 2007
GRAND BANK — 2007
What GRAND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 410,981,000 | 435,054,000 | 438,967,000 | 420,676,000 |
| Total loans | 124,192,000 | 126,476,000 | 132,479,000 | 136,981,000 |
| Allowance for loan losses | 1,509,000 | 1,684,000 | 1,684,000 | 1,961,000 |
| Securities available for sale | 212,531,000 | 224,967,000 | 212,448,000 | 223,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,184,000 | 301,296,000 | 302,540,000 | 301,309,000 |
| Interest-bearing deposits | 202,371,000 | 206,865,000 | 230,530,000 | 230,106,000 |
| Noninterest-bearing deposits | 75,813,000 | 94,431,000 | 72,010,000 | 71,203,000 |
| Equity capital | 24,632,000 | 25,434,000 | 27,968,000 | 27,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,683,000 | 12,047,000 | 18,606,000 | 24,678,000 |
| Interest expense | 3,011,000 | 6,438,000 | 10,048,000 | 13,417,000 |
| Net interest income | 2,672,000 | 5,609,000 | 8,558,000 | 11,261,000 |
| Noninterest income | 58,000 | 137,000 | 208,000 | 287,000 |
| Noninterest expense | 1,500,000 | 3,071,000 | 4,619,000 | 6,170,000 |
| Provision for loan losses | 119,000 | 294,000 | 294,000 | 571,000 |
| Pretax income | 1,118,000 | 2,388,000 | 3,860,000 | 4,814,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,118,000 | 2,388,000 | 3,860,000 | 4,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,555,000 | 25,823,000 | 27,322,000 | 26,562,000 |
| Total capital | 26,064,000 | 27,507,000 | 29,006,000 | 28,523,000 |
| Risk-weighted assets | 192,220,000 | 204,608,000 | 190,674,000 | 196,867,000 |