Call reports 2007
GRUVER STATE BANK — 2007
What GRUVER STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 36,940,000 | 35,453,000 | 35,941,000 | 43,046,000 |
| Total loans | 18,807,000 | 17,369,000 | 16,331,000 | 18,106,000 |
| Allowance for loan losses | 228,000 | 225,000 | 263,000 | 216,000 |
| Securities available for sale | 8,482,000 | 9,075,000 | 10,966,000 | 12,289,000 |
| Securities held to maturity | 3,021,000 | 3,012,000 | 2,999,000 | 2,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,095,000 | 29,519,000 | 29,941,000 | 36,744,000 |
| Interest-bearing deposits | 24,429,000 | 22,771,000 | 23,130,000 | 28,992,000 |
| Noninterest-bearing deposits | 6,666,000 | 6,748,000 | 6,811,000 | 7,752,000 |
| Equity capital | 5,681,000 | 5,715,000 | 5,755,000 | 6,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,165,000 | 1,724,000 | 2,300,000 |
| Interest expense | 188,000 | 391,000 | 599,000 | 819,000 |
| Net interest income | 396,000 | 774,000 | 1,125,000 | 1,481,000 |
| Noninterest income | 51,000 | 99,000 | 152,000 | 222,000 |
| Noninterest expense | 258,000 | 509,000 | 773,000 | 1,094,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 185,000 | 360,000 | 500,000 | 655,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 185,000 | 360,000 | 500,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,812,000 | 5,982,000 | 5,881,000 | 6,036,000 |
| Total capital | 6,040,000 | 6,207,000 | 6,144,000 | 6,252,000 |
| Risk-weighted assets | 24,102,000 | 23,031,000 | 22,262,000 | 24,880,000 |