Call reports 2004
BANK OF GRANDIN — 2004
What BANK OF GRANDIN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 99,475,000 | 100,541,000 | 99,376,000 | 102,527,000 |
| Total loans | 55,093,000 | 56,292,000 | 55,694,000 | 56,478,000 |
| Allowance for loan losses | 461,000 | 422,000 | 578,000 | 720,000 |
| Securities available for sale | 3,006,000 | 2,903,000 | 2,951,000 | 2,932,000 |
| Securities held to maturity | 35,317,000 | 34,442,000 | 34,266,000 | 33,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,521,000 | 86,265,000 | 86,063,000 | 88,930,000 |
| Interest-bearing deposits | 76,154,000 | 76,113,000 | 76,184,000 | 79,328,000 |
| Noninterest-bearing deposits | 9,367,000 | 10,152,000 | 9,879,000 | 9,602,000 |
| Equity capital | 13,581,000 | 13,869,000 | 12,812,000 | 13,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,681,000 | 4,069,000 | 5,389,000 |
| Interest expense | 399,000 | 784,000 | 1,192,000 | 1,635,000 |
| Net interest income | 993,000 | 1,897,000 | 2,877,000 | 3,754,000 |
| Noninterest income | 133,000 | 247,000 | 380,000 | 495,000 |
| Noninterest expense | 464,000 | 867,000 | 1,260,000 | 1,475,000 |
| Provision for loan losses | 45,000 | 100,000 | 1,805,000 | 2,010,000 |
| Pretax income | 617,000 | 1,177,000 | 192,000 | 764,000 |
| Income tax | 505,000 | 505,000 | 505,000 | 505,000 |
| Net income | 112,000 | 672,000 | -313,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,577,000 | 13,930,000 | 12,843,000 | 13,415,000 |
| Total capital | 14,038,000 | 14,352,000 | 13,421,000 | 14,135,000 |
| Risk-weighted assets | 66,226,000 | 66,889,000 | 65,918,000 | 66,951,000 |