Call reports 2012
GRAND SAVINGS BANK — 2012
What GRAND SAVINGS 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 | 238,438,000 | 223,209,000 | 232,442,000 | 219,013,000 |
| Total loans | 185,914,000 | 177,077,000 | 172,999,000 | 162,320,000 |
| Allowance for loan losses | 3,657,000 | 3,529,000 | 3,127,000 | 264,000 |
| Securities available for sale | 7,033,000 | 7,519,000 | 4,509,000 | 2,004,000 |
| Securities held to maturity | 947,000 | 947,000 | 738,000 | 785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,330,000 | 188,598,000 | 198,190,000 | 185,738,000 |
| Interest-bearing deposits | 171,077,000 | 180,721,000 | 179,473,000 | 169,363,000 |
| Noninterest-bearing deposits | 33,253,000 | 7,877,000 | 18,717,000 | 16,375,000 |
| Equity capital | 22,187,000 | 22,840,000 | 23,611,000 | 22,084,000 |
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 | 3,075,000 | 6,067,000 | 9,004,000 | 1,368,000 |
| Interest expense | 512,000 | 1,001,000 | 1,465,000 | 215,000 |
| Net interest income | 2,563,000 | 5,066,000 | 7,539,000 | 1,153,000 |
| Noninterest income | 330,000 | 653,000 | 949,000 | 333,000 |
| Noninterest expense | 1,833,000 | 3,696,000 | 5,563,000 | 772,000 |
| Provision for loan losses | 107,000 | 242,000 | 382,000 | 277,000 |
| Pretax income | 953,000 | 1,781,000 | 2,561,000 | 435,000 |
| Income tax | 0 | 0 | 0 | 176,000 |
| Net income | 953,000 | 1,781,000 | 2,561,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,154,000 | 22,822,000 | 23,602,000 | 21,431,000 |
| Total capital | 24,429,000 | 24,204,000 | 25,734,000 | 21,695,000 |
| Risk-weighted assets | 180,663,000 | 169,627,000 | 169,573,000 | 155,476,000 |