Call reports 2014
GRAND SAVINGS BANK — 2014
What GRAND SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 228,990,000 | 237,778,000 | 235,965,000 | 306,557,000 |
| Total loans | 169,134,000 | 168,911,000 | 171,667,000 | 211,826,000 |
| Allowance for loan losses | 386,000 | 496,000 | 495,000 | 611,000 |
| Securities available for sale | 7,331,000 | 7,868,000 | 9,353,000 | 22,281,000 |
| Securities held to maturity | 420,000 | 420,000 | 290,000 | 1,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,681,000 | 206,813,000 | 205,575,000 | 270,850,000 |
| Interest-bearing deposits | 189,197,000 | 193,067,000 | 178,178,000 | 254,412,000 |
| Noninterest-bearing deposits | 9,484,000 | 13,746,000 | 27,397,000 | 16,438,000 |
| Equity capital | 22,887,000 | 23,370,000 | 23,883,000 | 29,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,518,000 | 5,180,000 | 7,800,000 | 10,663,000 |
| Interest expense | 343,000 | 685,000 | 1,027,000 | 1,356,000 |
| Net interest income | 2,175,000 | 4,495,000 | 6,773,000 | 9,307,000 |
| Noninterest income | 555,000 | 1,038,000 | 1,649,000 | 3,303,000 |
| Noninterest expense | 1,846,000 | 3,821,000 | 5,846,000 | 8,190,000 |
| Provision for loan losses | 45,000 | 130,000 | 175,000 | 380,000 |
| Pretax income | 839,000 | 1,582,000 | 2,401,000 | 4,040,000 |
| Income tax | 325,000 | 606,000 | 911,000 | 1,228,000 |
| Net income | 514,000 | 976,000 | 1,490,000 | 2,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,256,000 | 22,745,000 | 23,064,000 | 29,042,000 |
| Total capital | 22,642,000 | 23,241,000 | 23,559,000 | 29,653,000 |
| Risk-weighted assets | 159,464,000 | 158,658,000 | 157,042,000 | 209,650,000 |
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