Call reports 2010
GRAND RIVERS COMMUNITY BANK — 2010
What GRAND RIVERS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 14,271,000 | 14,099,000 | 15,242,000 | 15,395,000 |
| Total loans | 10,324,000 | 10,700,000 | 11,688,000 | 11,721,000 |
| Allowance for loan losses | 160,000 | 133,000 | 79,000 | 80,000 |
| Securities available for sale | 1,519,000 | 1,683,000 | 1,385,000 | 1,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,864,000 | 12,731,000 | 13,879,000 | 14,193,000 |
| Interest-bearing deposits | 10,593,000 | 10,483,000 | 11,491,000 | 11,880,000 |
| Noninterest-bearing deposits | 2,271,000 | 2,248,000 | 2,388,000 | 2,313,000 |
| Equity capital | 1,337,000 | 1,312,000 | 1,322,000 | 1,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 217,000 | 431,000 | 662,000 | 873,000 |
| Interest expense | 55,000 | 106,000 | 160,000 | 217,000 |
| Net interest income | 162,000 | 325,000 | 502,000 | 656,000 |
| Noninterest income | 27,000 | 40,000 | 56,000 | 74,000 |
| Noninterest expense | 148,000 | 334,000 | 515,000 | 738,000 |
| Provision for loan losses | 2,000 | 8,000 | 22,000 | 252,000 |
| Pretax income | 39,000 | 22,000 | 20,000 | -261,000 |
| Income tax | 13,000 | 15,000 | 5,000 | -127,000 |
| Net income | 26,000 | 7,000 | 15,000 | -134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,330,000 | 1,311,000 | 1,319,000 | 1,170,000 |
| Total capital | 1,446,000 | 1,433,000 | 1,398,000 | 1,250,000 |
| Risk-weighted assets | 9,210,000 | 9,767,000 | 10,998,000 | 11,233,000 |
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