Call reports 2013
GRAND SAVINGS BANK — 2013
What GRAND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,821,000 | 231,946,000 | 215,610,000 | 214,442,000 |
| Total loans | 162,350,000 | 164,274,000 | 164,037,000 | 168,213,000 |
| Allowance for loan losses | 483,000 | 88,000 | 132,000 | 341,000 |
| Securities available for sale | 2,003,000 | 1,961,000 | 4,743,000 | 5,828,000 |
| Securities held to maturity | 785,000 | 786,000 | 546,000 | 421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,197,000 | 198,944,000 | 183,232,000 | 182,853,000 |
| Interest-bearing deposits | 182,848,000 | 189,328,000 | 162,978,000 | 177,467,000 |
| Noninterest-bearing deposits | 17,349,000 | 9,616,000 | 20,254,000 | 5,386,000 |
| Equity capital | 22,557,000 | 22,890,000 | 23,652,000 | 22,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 2,604,000 | 5,212,000 | 7,762,000 |
| Interest expense | 418,000 | 418,000 | 818,000 | 1,207,000 |
| Net interest income | 2,223,000 | 2,186,000 | 4,394,000 | 6,555,000 |
| Noninterest income | 512,000 | 934,000 | 1,458,000 | 1,984,000 |
| Noninterest expense | 1,810,000 | 1,908,000 | 3,811,000 | 5,690,000 |
| Provision for loan losses | 150,000 | 80,000 | 125,000 | 170,000 |
| Pretax income | 775,000 | 1,132,000 | 1,916,000 | 2,679,000 |
| Income tax | 300,000 | 0 | 0 | 995,000 |
| Net income | 475,000 | 1,132,000 | 1,916,000 | 1,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,925,000 | 22,176,000 | 22,765,000 | 21,812,000 |
| Total capital | 22,408,000 | 22,264,000 | 22,897,000 | 22,153,000 |
| Risk-weighted assets | 154,298,000 | 155,078,000 | 185,336,000 | 157,719,000 |