Call reports 2005
GRAND BANK, NATIONAL ASSOCIATION — 2005
What GRAND BANK, NATIONAL ASSOCIATION 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 | 188,625,000 | 205,209,000 | 194,043,000 | 212,234,000 |
| Total loans | 145,017,000 | 155,573,000 | 159,354,000 | 170,752,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 996,000 |
| Securities available for sale | 22,824,000 | 22,534,000 | 24,395,000 | 22,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,321,000 | 188,000,000 | 176,911,000 | 194,982,000 |
| Interest-bearing deposits | 158,245,000 | 172,067,000 | 163,055,000 | 177,398,000 |
| Noninterest-bearing deposits | 14,076,000 | 15,933,000 | 13,856,000 | 17,584,000 |
| Equity capital | 15,926,000 | 16,534,000 | 16,265,000 | 16,083,000 |
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 | 2,783,000 | 5,842,000 | 9,148,000 | 12,604,000 |
| Interest expense | 911,000 | 2,134,000 | 3,455,000 | 4,941,000 |
| Net interest income | 1,872,000 | 3,708,000 | 5,693,000 | 7,663,000 |
| Noninterest income | 149,000 | 657,000 | 819,000 | 1,099,000 |
| Noninterest expense | 1,345,000 | 3,006,000 | 4,479,000 | 6,028,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 676,000 | 1,359,000 | 2,033,000 | 2,735,000 |
| Income tax | 8,000 | 16,000 | 25,000 | 35,000 |
| Net income | 668,000 | 1,343,000 | 2,008,000 | 2,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,415,000 | 16,546,000 | 16,480,000 | 16,433,000 |
| Total capital | 17,415,000 | 17,546,000 | 17,480,000 | 17,429,000 |
| Risk-weighted assets | 161,263,000 | 169,097,000 | 175,556,000 | 186,239,000 |