Call reports 2009
GRAND BANK — 2009
What GRAND BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 379,535,000 | 387,100,000 | 401,812,000 | 414,732,000 |
| Total loans | 135,148,000 | 133,873,000 | 130,449,000 | 131,880,000 |
| Allowance for loan losses | 2,448,000 | 2,489,000 | 2,530,000 | 2,880,000 |
| Securities available for sale | 136,955,000 | 132,331,000 | 116,248,000 | 110,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,557,000 | 257,603,000 | 290,543,000 | 305,320,000 |
| Interest-bearing deposits | 213,707,000 | 215,625,000 | 231,804,000 | 230,813,000 |
| Noninterest-bearing deposits | 39,849,000 | 41,978,000 | 58,739,000 | 74,507,000 |
| Equity capital | 32,674,000 | 32,652,000 | 33,989,000 | 32,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,697,000 | 7,245,000 | 10,667,000 | 14,047,000 |
| Interest expense | 1,195,000 | 2,310,000 | 3,442,000 | 4,463,000 |
| Net interest income | 2,502,000 | 4,935,000 | 7,225,000 | 9,584,000 |
| Noninterest income | 38,000 | 75,000 | 111,000 | 141,000 |
| Noninterest expense | 1,487,000 | 2,889,000 | 4,342,000 | 6,106,000 |
| Provision for loan losses | 209,000 | 249,000 | 291,000 | 640,000 |
| Pretax income | 904,000 | 1,931,000 | 2,763,000 | 3,038,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 904,000 | 1,931,000 | 2,763,000 | 3,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,248,000 | 31,312,000 | 32,186,000 | 30,732,000 |
| Total capital | 32,262,000 | 33,295,000 | 34,233,000 | 32,848,000 |
| Risk-weighted assets | 159,939,000 | 157,339,000 | 162,531,000 | 167,795,000 |