Call reports 2003
BANK OF GRANDIN — 2003
What BANK OF GRANDIN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,443,000 | 97,392,000 | 97,304,000 | 100,614,000 |
| Total loans | 47,081,000 | 50,987,000 | 53,006,000 | 55,367,000 |
| Allowance for loan losses | 393,000 | 389,000 | 419,000 | 417,000 |
| Securities available for sale | 3,028,000 | 3,538,000 | 4,473,000 | 3,459,000 |
| Securities held to maturity | 33,495,000 | 34,777,000 | 33,838,000 | 34,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,523,000 | 82,274,000 | 81,792,000 | 85,618,000 |
| Interest-bearing deposits | 71,650,000 | 72,770,000 | 72,237,000 | 76,007,000 |
| Noninterest-bearing deposits | 8,873,000 | 9,504,000 | 9,555,000 | 9,611,000 |
| Equity capital | 13,467,000 | 13,638,000 | 13,972,000 | 13,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,803,000 | 4,133,000 | 5,497,000 |
| Interest expense | 503,000 | 963,000 | 1,380,000 | 1,779,000 |
| Net interest income | 967,000 | 1,840,000 | 2,753,000 | 3,718,000 |
| Noninterest income | 92,000 | 205,000 | 322,000 | 436,000 |
| Noninterest expense | 453,000 | 891,000 | 1,352,000 | 1,838,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 105,000 |
| Pretax income | 591,000 | 1,124,000 | 1,663,000 | 2,211,000 |
| Income tax | 174,000 | 339,000 | 503,000 | 671,000 |
| Net income | 417,000 | 785,000 | 1,160,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,449,000 | 13,614,000 | 13,989,000 | 13,648,000 |
| Total capital | 13,842,000 | 14,003,000 | 14,408,000 | 14,065,000 |
| Risk-weighted assets | 64,630,000 | 63,536,000 | 64,504,000 | 67,773,000 |