Call reports 2007
GRANT COUNTY STATE BANK — 2007
What GRANT COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 64,813,000 | 66,343,000 | 62,964,000 | 62,805,000 |
| Total loans | 38,414,000 | 40,250,000 | 41,456,000 | 43,596,000 |
| Allowance for loan losses | 349,000 | 362,000 | 348,000 | 392,000 |
| Securities available for sale | 10,731,000 | 10,549,000 | 8,648,000 | 7,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,337,000 | 59,070,000 | 55,254,000 | 53,380,000 |
| Interest-bearing deposits | 51,521,000 | 52,413,000 | 48,774,000 | 47,250,000 |
| Noninterest-bearing deposits | 5,816,000 | 6,657,000 | 6,480,000 | 6,130,000 |
| Equity capital | 6,904,000 | 6,681,000 | 7,029,000 | 7,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,989,000 | 3,018,000 | 4,028,000 |
| Interest expense | 441,000 | 865,000 | 1,296,000 | 1,685,000 |
| Net interest income | 541,000 | 1,124,000 | 1,722,000 | 2,343,000 |
| Noninterest income | 200,000 | 219,000 | 314,000 | 404,000 |
| Noninterest expense | 447,000 | 893,000 | 1,338,000 | 1,887,000 |
| Provision for loan losses | 12,000 | 27,000 | 44,000 | 109,000 |
| Pretax income | 282,000 | 376,000 | 567,000 | 664,000 |
| Income tax | 5,000 | 50,000 | 50,000 | -15,000 |
| Net income | 277,000 | 326,000 | 517,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,994,000 | 6,913,000 | 7,105,000 | 7,151,000 |
| Total capital | 7,343,000 | 7,275,000 | 7,453,000 | 7,543,000 |
| Risk-weighted assets | 36,861,000 | 37,889,000 | 38,230,000 | 39,244,000 |