Call reports 2003
GRANT COUNTY STATE BANK — 2003
What GRANT COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 63,259,000 | 64,092,000 | 62,525,000 | 60,521,000 |
| Total loans | 35,793,000 | 35,609,000 | 37,229,000 | 36,932,000 |
| Allowance for loan losses | 367,000 | 378,000 | 373,000 | 367,000 |
| Securities available for sale | 14,166,000 | 14,043,000 | 13,865,000 | 12,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,351,000 | 56,041,000 | 54,573,000 | 53,081,000 |
| Interest-bearing deposits | 50,056,000 | 50,456,000 | 49,149,000 | 47,909,000 |
| Noninterest-bearing deposits | 5,295,000 | 5,585,000 | 5,424,000 | 5,172,000 |
| Equity capital | 6,434,000 | 6,563,000 | 6,499,000 | 6,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 914,000 | 1,824,000 | 2,709,000 | 3,575,000 |
| Interest expense | 364,000 | 715,000 | 1,047,000 | 1,361,000 |
| Net interest income | 550,000 | 1,109,000 | 1,662,000 | 2,214,000 |
| Noninterest income | -7,000 | 28,000 | 61,000 | 96,000 |
| Noninterest expense | 401,000 | 807,000 | 1,232,000 | 1,637,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 157,000 | 333,000 | 496,000 | 671,000 |
| Income tax | 51,000 | 108,000 | 159,000 | 213,000 |
| Net income | 106,000 | 225,000 | 337,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,187,000 | 6,263,000 | 6,375,000 | 6,466,000 |
| Total capital | 6,554,000 | 6,641,000 | 6,748,000 | 6,833,000 |
| Risk-weighted assets | 31,919,000 | 32,053,000 | 32,639,000 | 32,801,000 |