Call reports 2004
GRANT COUNTY STATE BANK — 2004
What GRANT COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,755,000 | 60,969,000 | 65,021,000 | 63,400,000 |
| Total loans | 36,898,000 | 37,318,000 | 38,633,000 | 38,580,000 |
| Allowance for loan losses | 375,000 | 385,000 | 388,000 | 384,000 |
| Securities available for sale | 13,030,000 | 12,958,000 | 12,152,000 | 11,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,973,000 | 53,474,000 | 57,015,000 | 55,731,000 |
| Interest-bearing deposits | 48,656,000 | 47,960,000 | 49,842,000 | 48,578,000 |
| Noninterest-bearing deposits | 6,317,000 | 5,514,000 | 7,173,000 | 7,153,000 |
| Equity capital | 6,809,000 | 6,565,000 | 6,901,000 | 6,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,681,000 | 2,538,000 | 3,393,000 |
| Interest expense | 291,000 | 566,000 | 853,000 | 1,126,000 |
| Net interest income | 544,000 | 1,115,000 | 1,685,000 | 2,267,000 |
| Noninterest income | 74,000 | 124,000 | 187,000 | 219,000 |
| Noninterest expense | 436,000 | 876,000 | 1,317,000 | 1,766,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 44,000 |
| Pretax income | 183,000 | 352,000 | 535,000 | 703,000 |
| Income tax | 57,000 | 106,000 | 161,000 | 219,000 |
| Net income | 126,000 | 246,000 | 374,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,592,000 | 6,667,000 | 6,795,000 | 6,693,000 |
| Total capital | 6,967,000 | 7,052,000 | 7,183,000 | 7,077,000 |
| Risk-weighted assets | 33,466,000 | 33,482,000 | 35,145,000 | 35,583,000 |