Call reports 2012
GCF BANK — 2012
What GCF 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 | 335,370,000 | 318,383,000 | 313,848,000 | 309,710,000 |
| Total loans | 219,425,000 | 223,802,000 | 217,373,000 | 211,057,000 |
| Allowance for loan losses | 2,752,000 | 2,720,000 | 2,764,000 | 2,527,000 |
| Securities available for sale | 53,383,000 | 38,938,000 | 37,534,000 | 36,141,000 |
| Securities held to maturity | 30,262,000 | 28,383,000 | 27,590,000 | 25,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,797,000 | 280,083,000 | 279,312,000 | 278,640,000 |
| Interest-bearing deposits | 286,195,000 | 270,984,000 | 270,002,000 | 270,188,000 |
| Noninterest-bearing deposits | 10,602,000 | 9,099,000 | 9,310,000 | 8,452,000 |
| Equity capital | 28,293,000 | 28,056,000 | 28,036,000 | 24,516,000 |
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 | 3,571,000 | 6,973,000 | 10,229,000 | 13,371,000 |
| Interest expense | 939,000 | 1,779,000 | 2,564,000 | 3,280,000 |
| Net interest income | 2,632,000 | 5,194,000 | 7,665,000 | 10,091,000 |
| Noninterest income | 161,000 | 162,000 | 334,000 | 485,000 |
| Noninterest expense | 2,363,000 | 4,700,000 | 6,990,000 | 9,098,000 |
| Provision for loan losses | 180,000 | 449,000 | 1,023,000 | 1,331,000 |
| Pretax income | -252,000 | -199,000 | -453,000 | -305,000 |
| Income tax | -104,000 | 188,000 | 395,000 | 4,062,000 |
| Net income | -148,000 | -387,000 | -848,000 | -4,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,018,000 | 24,907,000 | 24,577,000 | 23,917,000 |
| Total capital | 27,399,000 | 27,163,000 | 26,761,000 | 25,960,000 |
| Risk-weighted assets | 188,876,000 | 183,529,000 | 178,957,000 | 166,082,000 |