Call reports 2012
GRATIOT STATE BANK — 2012
What GRATIOT STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 43,566,000 | 44,575,000 | 46,488,000 | 46,410,000 |
| Total loans | 10,669,000 | 11,701,000 | 12,412,000 | 12,875,000 |
| Allowance for loan losses | 116,000 | 115,000 | 118,000 | 129,000 |
| Securities available for sale | 28,976,000 | 28,789,000 | 31,369,000 | 31,330,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,210,000 | 38,844,000 | 40,560,000 | 40,758,000 |
| Interest-bearing deposits | 35,527,000 | 36,537,000 | 37,475,000 | 37,738,000 |
| Noninterest-bearing deposits | 2,683,000 | 2,307,000 | 3,085,000 | 3,020,000 |
| Equity capital | 5,002,000 | 5,254,000 | 5,387,000 | 5,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 748,000 | 1,123,000 | 1,510,000 |
| Interest expense | 145,000 | 285,000 | 419,000 | 538,000 |
| Net interest income | 241,000 | 463,000 | 704,000 | 972,000 |
| Noninterest income | 15,000 | 30,000 | 43,000 | 62,000 |
| Noninterest expense | 161,000 | 327,000 | 494,000 | 661,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 105,000 | 176,000 | 263,000 | 373,000 |
| Income tax | 8,000 | 11,000 | 21,000 | 29,000 |
| Net income | 97,000 | 165,000 | 242,000 | 344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,582,000 | 4,650,000 | 4,726,000 | 4,528,000 |
| Total capital | 4,698,000 | 4,765,000 | 4,844,000 | 4,657,000 |
| Risk-weighted assets | 19,136,000 | 18,977,000 | 20,233,000 | 20,420,000 |