Call reports 2002
GRAND BANK — 2002
What GRAND BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 286,654,000 | 310,979,000 | 313,388,000 | 323,737,000 |
| Total loans | 247,632,000 | 254,624,000 | 265,696,000 | 268,773,000 |
| Allowance for loan losses | 3,464,000 | 3,547,000 | 3,593,000 | 3,564,000 |
| Securities available for sale | 6,241,000 | 6,873,000 | 8,286,000 | 8,285,000 |
| Securities held to maturity | 4,644,000 | 4,260,000 | 3,704,000 | 3,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,222,000 | 239,492,000 | 233,048,000 | 248,598,000 |
| Interest-bearing deposits | 225,347,000 | 223,824,000 | 217,039,000 | 226,384,000 |
| Noninterest-bearing deposits | 18,875,000 | 15,668,000 | 16,009,000 | 22,214,000 |
| Equity capital | 19,176,000 | 46,162,000 | 47,129,000 | 47,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,728,000 | 3,721,000 | 7,600,000 | 11,545,000 |
| Interest expense | 1,919,000 | 1,723,000 | 3,394,000 | 4,968,000 |
| Net interest income | 1,809,000 | 1,998,000 | 4,206,000 | 6,577,000 |
| Noninterest income | 633,000 | 747,000 | 1,603,000 | 2,683,000 |
| Noninterest expense | 3,942,000 | 1,507,000 | 3,196,000 | 4,982,000 |
| Provision for loan losses | 593,000 | 89,000 | 134,000 | 254,000 |
| Pretax income | -2,149,000 | 1,149,000 | 2,479,000 | 4,024,000 |
| Income tax | -610,000 | 390,000 | 842,000 | 1,366,000 |
| Net income | -1,539,000 | 759,000 | 1,637,000 | 2,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,142,000 | 19,839,000 | 20,848,000 | 21,000,000 |
| Total capital | 26,824,000 | 27,621,000 | 28,713,000 | 28,879,000 |
| Risk-weighted assets | 254,209,000 | 262,538,000 | 268,988,000 | 270,164,000 |