Call reports 2006
GRANT COUNTY STATE BANK — 2006
What GRANT COUNTY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,313,000 | 62,716,000 | 62,372,000 | 69,473,000 |
| Total loans | 36,963,000 | 38,233,000 | 39,113,000 | 37,518,000 |
| Allowance for loan losses | 330,000 | 342,000 | 335,000 | 347,000 |
| Securities available for sale | 10,115,000 | 9,758,000 | 9,818,000 | 10,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,933,000 | 55,402,000 | 54,785,000 | 62,301,000 |
| Interest-bearing deposits | 46,279,000 | 49,918,000 | 49,285,000 | 56,140,000 |
| Noninterest-bearing deposits | 5,654,000 | 5,484,000 | 5,500,000 | 6,161,000 |
| Equity capital | 6,818,000 | 6,756,000 | 6,911,000 | 6,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 828,000 | 1,695,000 | 2,612,000 | 3,647,000 |
| Interest expense | 320,000 | 686,000 | 1,075,000 | 1,523,000 |
| Net interest income | 508,000 | 1,009,000 | 1,537,000 | 2,124,000 |
| Noninterest income | 57,000 | 106,000 | 146,000 | 199,000 |
| Noninterest expense | 476,000 | 945,000 | 1,388,000 | 1,841,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 77,000 | 147,000 | 258,000 | 433,000 |
| Income tax | 11,000 | 20,000 | 48,000 | 99,000 |
| Net income | 66,000 | 127,000 | 210,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,914,000 | 6,935,000 | 7,018,000 | 6,717,000 |
| Total capital | 7,244,000 | 7,277,000 | 7,353,000 | 7,064,000 |
| Risk-weighted assets | 34,368,000 | 36,415,000 | 36,944,000 | 36,709,000 |