Call reports 2005
BANK OF GRANDIN — 2005
What BANK OF GRANDIN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 103,202,000 | 100,511,000 | 99,847,000 | 100,665,000 |
| Total loans | 58,129,000 | 58,569,000 | 59,032,000 | 57,481,000 |
| Allowance for loan losses | 706,000 | 718,000 | 744,000 | 1,120,000 |
| Securities available for sale | 2,889,000 | 2,926,000 | 2,903,000 | 2,897,000 |
| Securities held to maturity | 35,770,000 | 34,671,000 | 33,470,000 | 33,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,348,000 | 86,217,000 | 85,089,000 | 86,224,000 |
| Interest-bearing deposits | 78,363,000 | 76,095,000 | 75,185,000 | 76,420,000 |
| Noninterest-bearing deposits | 10,985,000 | 10,122,000 | 9,904,000 | 9,804,000 |
| Equity capital | 13,510,000 | 13,879,000 | 14,201,000 | 13,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,402,000 | 2,845,000 | 4,329,000 | 5,827,000 |
| Interest expense | 459,000 | 951,000 | 1,493,000 | 2,110,000 |
| Net interest income | 943,000 | 1,894,000 | 2,836,000 | 3,717,000 |
| Noninterest income | 122,000 | 247,000 | 412,000 | 561,000 |
| Noninterest expense | 415,000 | 814,000 | 1,231,000 | 1,666,000 |
| Provision for loan losses | 75,000 | 120,000 | 160,000 | 775,000 |
| Pretax income | 575,000 | 1,207,000 | 1,857,000 | 1,837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 575,000 | 1,207,000 | 1,857,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,621,000 | 13,953,000 | 14,298,000 | 14,037,000 |
| Total capital | 14,327,000 | 14,671,000 | 15,042,000 | 14,902,000 |
| Risk-weighted assets | 68,713,000 | 68,471,000 | 68,977,000 | 69,002,000 |