Call reports 2010
GRUVER STATE BANK — 2010
What GRUVER STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,029,000 | 54,975,000 | 52,012,000 | 54,062,000 |
| Total loans | 22,817,000 | 25,900,000 | 25,537,000 | 26,970,000 |
| Allowance for loan losses | 263,000 | 234,000 | 321,000 | 321,000 |
| Securities available for sale | 19,816,000 | 19,305,000 | 17,992,000 | 18,249,000 |
| Securities held to maturity | 1,772,000 | 1,773,000 | 1,775,000 | 1,775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,198,000 | 44,847,000 | 44,511,000 | 45,281,000 |
| Interest-bearing deposits | 40,788,000 | 36,311,000 | 34,854,000 | 35,329,000 |
| Noninterest-bearing deposits | 7,410,000 | 8,536,000 | 9,657,000 | 9,952,000 |
| Equity capital | 6,716,000 | 7,135,000 | 7,359,000 | 7,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,043,000 | 1,570,000 | 2,078,000 |
| Interest expense | 119,000 | 236,000 | 345,000 | 451,000 |
| Net interest income | 402,000 | 807,000 | 1,225,000 | 1,627,000 |
| Noninterest income | 67,000 | 135,000 | 204,000 | 274,000 |
| Noninterest expense | 269,000 | 546,000 | 842,000 | 1,195,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 201,000 | 551,000 | 660,000 | 773,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 551,000 | 660,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,346,000 | 6,786,000 | 6,980,000 | 7,125,000 |
| Total capital | 6,609,000 | 7,020,000 | 7,301,000 | 7,446,000 |
| Risk-weighted assets | 30,260,000 | 32,854,000 | 31,864,000 | 33,173,000 |