Call reports 2006
GRAND BANK, NATIONAL ASSOCIATION — 2006
What GRAND BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 196,888,000 | 202,904,000 | 208,963,000 | 193,976,000 |
| Total loans | 170,060,000 | 172,190,000 | 169,634,000 | 168,458,000 |
| Allowance for loan losses | 996,000 | 996,000 | 1,001,000 | 1,011,000 |
| Securities available for sale | 11,045,000 | 10,761,000 | 10,883,000 | 10,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,475,000 | 184,177,000 | 189,749,000 | 174,825,000 |
| Interest-bearing deposits | 164,796,000 | 164,727,000 | 173,566,000 | 158,640,000 |
| Noninterest-bearing deposits | 15,679,000 | 19,450,000 | 16,183,000 | 16,185,000 |
| Equity capital | 16,050,000 | 16,143,000 | 16,453,000 | 16,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,609,000 | 7,248,000 | 11,076,000 | 14,913,000 |
| Interest expense | 1,599,000 | 3,386,000 | 5,374,000 | 7,409,000 |
| Net interest income | 2,010,000 | 3,862,000 | 5,702,000 | 7,504,000 |
| Noninterest income | 166,000 | 308,000 | 624,000 | 1,008,000 |
| Noninterest expense | 1,437,000 | 2,804,000 | 4,281,000 | 5,787,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 15,000 |
| Pretax income | 693,000 | 1,320,000 | 1,994,000 | 2,664,000 |
| Income tax | 7,000 | 16,000 | 25,000 | 33,000 |
| Net income | 686,000 | 1,304,000 | 1,969,000 | 2,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,378,000 | 16,557,000 | 16,557,000 | 16,565,000 |
| Total capital | 17,374,000 | 19,553,000 | 19,558,000 | 19,576,000 |
| Risk-weighted assets | 178,385,000 | 180,286,000 | 178,789,000 | 174,281,000 |