Call reports 2005
GRANT COUNTY STATE BANK — 2005
What GRANT COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,401,000 | 61,722,000 | 61,783,000 | 60,675,000 |
| Total loans | 38,313,000 | 38,580,000 | 38,979,000 | 37,632,000 |
| Allowance for loan losses | 395,000 | 407,000 | 413,000 | 366,000 |
| Securities available for sale | 11,097,000 | 9,662,000 | 9,722,000 | 9,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,802,000 | 53,975,000 | 53,958,000 | 53,440,000 |
| Interest-bearing deposits | 50,170,000 | 48,542,000 | 48,128,000 | 47,118,000 |
| Noninterest-bearing deposits | 6,632,000 | 5,433,000 | 5,830,000 | 6,322,000 |
| Equity capital | 6,767,000 | 6,881,000 | 6,916,000 | 6,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,686,000 | 2,533,000 | 3,383,000 |
| Interest expense | 275,000 | 563,000 | 861,000 | 1,170,000 |
| Net interest income | 564,000 | 1,123,000 | 1,672,000 | 2,213,000 |
| Noninterest income | 50,000 | 84,000 | 138,000 | 157,000 |
| Noninterest expense | 449,000 | 898,000 | 1,375,000 | 1,840,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 159,000 | 297,000 | 411,000 | 494,000 |
| Income tax | 34,000 | 73,000 | 102,000 | 112,000 |
| Net income | 125,000 | 224,000 | 309,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,818,000 | 6,873,000 | 6,946,000 | 6,848,000 |
| Total capital | 7,213,000 | 7,280,000 | 7,359,000 | 7,214,000 |
| Risk-weighted assets | 36,668,000 | 36,239,000 | 36,705,000 | 35,950,000 |