Call reports 2008
BANK OF GRANDIN — 2008
What BANK OF GRANDIN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 124,920,000 | 127,772,000 | 126,417,000 | 131,522,000 |
| Total loans | 62,344,000 | 65,156,000 | 66,017,000 | 67,452,000 |
| Allowance for loan losses | 1,130,000 | 1,147,000 | 1,182,000 | 1,120,000 |
| Securities available for sale | 3,089,000 | 3,017,000 | 3,020,000 | 3,067,000 |
| Securities held to maturity | 48,639,000 | 53,682,000 | 51,638,000 | 52,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,258,000 | 109,808,000 | 108,041,000 | 112,815,000 |
| Interest-bearing deposits | 96,961,000 | 98,077,000 | 97,706,000 | 102,171,000 |
| Noninterest-bearing deposits | 10,297,000 | 11,731,000 | 10,335,000 | 10,644,000 |
| Equity capital | 16,801,000 | 17,133,000 | 17,501,000 | 18,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,210,000 | 6,277,000 | 8,323,000 |
| Interest expense | 1,024,000 | 1,988,000 | 2,928,000 | 3,837,000 |
| Net interest income | 1,085,000 | 2,222,000 | 3,349,000 | 4,486,000 |
| Noninterest income | 143,000 | 315,000 | 498,000 | 673,000 |
| Noninterest expense | 518,000 | 1,063,000 | 1,636,000 | 2,094,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 680,000 | 1,414,000 | 2,121,000 | 2,975,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 680,000 | 1,414,000 | 2,121,000 | 2,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,712,000 | 17,116,000 | 17,481,000 | 18,000,000 |
| Total capital | 17,740,000 | 18,183,000 | 18,523,000 | 19,083,000 |
| Risk-weighted assets | 82,208,000 | 85,256,000 | 83,187,000 | 86,618,000 |