Call reports 2008
GRUVER STATE BANK — 2008
What GRUVER STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,519,000 | 48,877,000 | 50,398,000 | 48,441,000 |
| Total loans | 17,563,000 | 24,651,000 | 28,303,000 | 22,611,000 |
| Allowance for loan losses | 216,000 | 216,000 | 253,000 | 245,000 |
| Securities available for sale | 14,644,000 | 13,749,000 | 13,202,000 | 14,172,000 |
| Securities held to maturity | 2,941,000 | 2,926,000 | 2,916,000 | 2,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,034,000 | 36,251,000 | 36,388,000 | 41,972,000 |
| Interest-bearing deposits | 30,743,000 | 28,186,000 | 28,338,000 | 32,583,000 |
| Noninterest-bearing deposits | 8,291,000 | 8,065,000 | 8,050,000 | 9,389,000 |
| Equity capital | 6,228,000 | 5,853,000 | 6,288,000 | 6,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 582,000 | 1,154,000 | 1,806,000 | 2,377,000 |
| Interest expense | 234,000 | 440,000 | 653,000 | 831,000 |
| Net interest income | 348,000 | 714,000 | 1,153,000 | 1,546,000 |
| Noninterest income | 58,000 | 111,000 | 169,000 | 227,000 |
| Noninterest expense | 277,000 | 541,000 | 820,000 | 1,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 284,000 | 505,000 | 624,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 129,000 | 284,000 | 505,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,970,000 | 6,078,000 | 6,239,000 | 5,894,000 |
| Total capital | 6,186,000 | 6,294,000 | 6,492,000 | 6,139,000 |
| Risk-weighted assets | 25,081,000 | 30,864,000 | 34,289,000 | 30,896,000 |