Call reports 2006
GRUVER STATE BANK — 2006
What GRUVER STATE BANK 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 | 34,736,000 | 32,614,000 | 32,240,000 | 34,074,000 |
| Total loans | 15,524,000 | 15,236,000 | 17,461,000 | 17,983,000 |
| Allowance for loan losses | 256,000 | 241,000 | 232,000 | 232,000 |
| Securities available for sale | 9,812,000 | 9,332,000 | 9,313,000 | 8,736,000 |
| Securities held to maturity | 2,568,000 | 2,554,000 | 2,539,000 | 2,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,551,000 | 27,324,000 | 25,430,000 | 28,482,000 |
| Interest-bearing deposits | 22,758,000 | 21,083,000 | 19,716,000 | 21,540,000 |
| Noninterest-bearing deposits | 6,793,000 | 6,241,000 | 5,714,000 | 6,942,000 |
| Equity capital | 5,080,000 | 5,149,000 | 5,551,000 | 5,452,000 |
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 | 516,000 | 1,040,000 | 1,577,000 | 2,124,000 |
| Interest expense | 129,000 | 274,000 | 423,000 | 578,000 |
| Net interest income | 387,000 | 766,000 | 1,154,000 | 1,546,000 |
| Noninterest income | 46,000 | 91,000 | 143,000 | 201,000 |
| Noninterest expense | 262,000 | 534,000 | 804,000 | 1,098,000 |
| Provision for loan losses | 0 | 0 | -75,000 | -75,000 |
| Pretax income | 171,000 | 323,000 | 568,000 | 705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 171,000 | 323,000 | 568,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,374,000 | 5,541,000 | 5,789,000 | 5,625,000 |
| Total capital | 5,630,000 | 5,782,000 | 6,021,000 | 5,857,000 |
| Risk-weighted assets | 20,862,000 | 19,948,000 | 21,721,000 | 22,778,000 |