Call reports 2002
BANK OF GRANDIN — 2002
What BANK OF GRANDIN 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 | 89,766,000 | 89,595,000 | 91,274,000 | 95,109,000 |
| Total loans | 44,964,000 | 47,197,000 | 47,480,000 | 46,723,000 |
| Allowance for loan losses | 352,000 | 373,000 | 379,000 | 380,000 |
| Securities available for sale | 4,071,000 | 3,595,000 | 4,075,000 | 3,555,000 |
| Securities held to maturity | 28,297,000 | 32,839,000 | 34,022,000 | 35,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,971,000 | 75,628,000 | 76,850,000 | 80,647,000 |
| Interest-bearing deposits | 67,252,000 | 66,248,000 | 68,077,000 | 71,701,000 |
| Noninterest-bearing deposits | 8,719,000 | 9,380,000 | 8,773,000 | 8,946,000 |
| Equity capital | 12,319,000 | 12,498,000 | 12,880,000 | 13,067,000 |
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 | 1,502,000 | 2,990,000 | 4,472,000 | 5,930,000 |
| Interest expense | 631,000 | 1,198,000 | 1,748,000 | 2,277,000 |
| Net interest income | 871,000 | 1,792,000 | 2,724,000 | 3,653,000 |
| Noninterest income | 91,000 | 189,000 | 295,000 | 421,000 |
| Noninterest expense | 434,000 | 865,000 | 1,291,000 | 1,720,000 |
| Provision for loan losses | 15,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 513,000 | 1,076,000 | 1,658,000 | 2,254,000 |
| Income tax | 165,000 | 360,000 | 547,000 | 740,000 |
| Net income | 348,000 | 716,000 | 1,111,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,274,000 | 12,438,000 | 12,833,000 | 13,032,000 |
| Total capital | 12,626,000 | 12,811,000 | 13,212,000 | 13,412,000 |
| Risk-weighted assets | 54,935,000 | 57,469,000 | 58,669,000 | 61,040,000 |