Call reports 2004
GRUVER STATE BANK — 2004
What GRUVER STATE BANK 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 | 35,660,000 | 33,129,000 | 33,372,000 | 35,038,000 |
| Total loans | 15,843,000 | 16,348,000 | 16,995,000 | 17,949,000 |
| Allowance for loan losses | 214,000 | 215,000 | 225,000 | 243,000 |
| Securities available for sale | 9,308,000 | 10,830,000 | 10,284,000 | 10,183,000 |
| Securities held to maturity | 838,000 | 836,000 | 835,000 | 1,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,550,000 | 28,286,000 | 28,196,000 | 29,976,000 |
| Interest-bearing deposits | 24,774,000 | 22,631,000 | 22,678,000 | 23,852,000 |
| Noninterest-bearing deposits | 5,776,000 | 5,655,000 | 5,518,000 | 6,124,000 |
| Equity capital | 5,051,000 | 4,768,000 | 5,111,000 | 4,967,000 |
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 | 372,000 | 751,000 | 1,145,000 | 1,560,000 |
| Interest expense | 79,000 | 156,000 | 233,000 | 311,000 |
| Net interest income | 293,000 | 595,000 | 912,000 | 1,249,000 |
| Noninterest income | 50,000 | 94,000 | 141,000 | 187,000 |
| Noninterest expense | 244,000 | 490,000 | 733,000 | 1,012,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 99,000 | 199,000 | 320,000 | 404,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 199,000 | 320,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,911,000 | 5,007,000 | 5,127,000 | 5,051,000 |
| Total capital | 5,125,000 | 5,222,000 | 5,352,000 | 5,294,000 |
| Risk-weighted assets | 20,915,000 | 21,084,000 | 21,985,000 | 23,295,000 |