Call reports 2003
GRUVER STATE BANK — 2003
What GRUVER STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,315,000 | 32,137,000 | 32,121,000 | 34,105,000 |
| Total loans | 16,366,000 | 17,248,000 | 16,545,000 | 17,157,000 |
| Allowance for loan losses | 210,000 | 211,000 | 221,000 | 207,000 |
| Securities available for sale | 7,135,000 | 8,395,000 | 8,394,000 | 8,558,000 |
| Securities held to maturity | 545,000 | 542,000 | 878,000 | 876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,177,000 | 26,985,000 | 26,957,000 | 29,137,000 |
| Interest-bearing deposits | 22,809,000 | 22,457,000 | 21,989,000 | 22,749,000 |
| Noninterest-bearing deposits | 4,368,000 | 4,528,000 | 4,968,000 | 6,388,000 |
| Equity capital | 5,045,000 | 5,043,000 | 5,039,000 | 4,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 391,000 | 767,000 | 1,143,000 | 1,526,000 |
| Interest expense | 107,000 | 211,000 | 299,000 | 374,000 |
| Net interest income | 284,000 | 556,000 | 844,000 | 1,152,000 |
| Noninterest income | 46,000 | 90,000 | 134,000 | 177,000 |
| Noninterest expense | 231,000 | 472,000 | 707,000 | 971,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 174,000 | 271,000 | 358,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 174,000 | 271,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,836,000 | 4,831,000 | 4,929,000 | 4,812,000 |
| Total capital | 5,046,000 | 5,042,000 | 5,150,000 | 5,019,000 |
| Risk-weighted assets | 20,654,000 | 20,969,000 | 20,255,000 | 21,447,000 |