Call reports 2005
GRUVER STATE BANK — 2005
What GRUVER STATE BANK 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 | 33,602,000 | 34,071,000 | 31,530,000 | 34,462,000 |
| Total loans | 16,763,000 | 16,882,000 | 15,479,000 | 17,019,000 |
| Allowance for loan losses | 246,000 | 247,000 | 256,000 | 256,000 |
| Securities available for sale | 10,083,000 | 9,940,000 | 9,090,000 | 9,736,000 |
| Securities held to maturity | 1,065,000 | 1,349,000 | 1,750,000 | 1,822,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,518,000 | 28,746,000 | 26,272,000 | 29,178,000 |
| Interest-bearing deposits | 23,253,000 | 22,744,000 | 20,261,000 | 22,025,000 |
| Noninterest-bearing deposits | 5,265,000 | 6,002,000 | 6,011,000 | 7,153,000 |
| Equity capital | 4,971,000 | 5,210,000 | 5,174,000 | 5,186,000 |
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 | 437,000 | 891,000 | 1,354,000 | 1,839,000 |
| Interest expense | 98,000 | 200,000 | 295,000 | 396,000 |
| Net interest income | 339,000 | 691,000 | 1,059,000 | 1,443,000 |
| Noninterest income | 49,000 | 91,000 | 134,000 | 176,000 |
| Noninterest expense | 238,000 | 482,000 | 738,000 | 1,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 300,000 | 455,000 | 589,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 150,000 | 300,000 | 455,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,188,000 | 5,333,000 | 5,317,000 | 5,461,000 |
| Total capital | 5,434,000 | 5,580,000 | 5,567,000 | 5,717,000 |
| Risk-weighted assets | 22,003,000 | 22,227,000 | 19,967,000 | 22,105,000 |