Call reports 2004
GRAND BANK, NATIONAL ASSOCIATION — 2004
What GRAND BANK, NATIONAL ASSOCIATION 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 | 167,061,000 | 166,582,000 | 179,566,000 | 179,427,000 |
| Total loans | 117,090,000 | 123,497,000 | 137,266,000 | 141,076,000 |
| Allowance for loan losses | 1,007,000 | 1,007,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 22,900,000 | 22,506,000 | 22,826,000 | 22,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,157,000 | 151,088,000 | 163,001,000 | 162,503,000 |
| Interest-bearing deposits | 137,920,000 | 137,179,000 | 148,013,000 | 148,499,000 |
| Noninterest-bearing deposits | 13,237,000 | 13,909,000 | 14,988,000 | 14,004,000 |
| Equity capital | 15,672,000 | 15,262,000 | 16,094,000 | 16,195,000 |
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 | 2,151,000 | 4,479,000 | 6,943,000 | 9,662,000 |
| Interest expense | 793,000 | 1,525,000 | 2,294,000 | 3,108,000 |
| Net interest income | 1,358,000 | 2,954,000 | 4,649,000 | 6,554,000 |
| Noninterest income | 262,000 | 512,000 | 810,000 | 1,048,000 |
| Noninterest expense | 1,139,000 | 2,351,000 | 3,666,000 | 5,087,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 481,000 | 1,115,000 | 1,793,000 | 2,515,000 |
| Income tax | 27,000 | 35,000 | 44,000 | 53,000 |
| Net income | 454,000 | 1,080,000 | 1,749,000 | 2,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,446,000 | 16,062,000 | 16,130,000 | 16,371,000 |
| Total capital | 16,453,000 | 17,069,000 | 17,130,000 | 17,371,000 |
| Risk-weighted assets | 132,651,000 | 140,081,000 | 153,950,000 | 156,850,000 |