Call reports 2013
GCF BANK — 2013
What GCF 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 | 307,892,000 | 303,186,000 | 301,001,000 | 289,377,000 |
| Total loans | 209,078,000 | 205,746,000 | 207,240,000 | 204,865,000 |
| Allowance for loan losses | 2,684,000 | 2,722,000 | 2,669,000 | 2,688,000 |
| Securities available for sale | 34,381,000 | 32,510,000 | 33,085,000 | 30,892,000 |
| Securities held to maturity | 23,059,000 | 21,728,000 | 19,314,000 | 18,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,698,000 | 272,191,000 | 269,401,000 | 257,599,000 |
| Interest-bearing deposits | 267,084,000 | 268,251,000 | 259,816,000 | 248,643,000 |
| Noninterest-bearing deposits | 9,614,000 | 3,940,000 | 9,585,000 | 8,956,000 |
| Equity capital | 24,575,000 | 24,355,000 | 24,860,000 | 24,855,000 |
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 | 2,988,000 | 5,877,000 | 8,722,000 | 11,498,000 |
| Interest expense | 664,000 | 1,268,000 | 1,818,000 | 2,292,000 |
| Net interest income | 2,324,000 | 4,609,000 | 6,904,000 | 9,206,000 |
| Noninterest income | 148,000 | 266,000 | 418,000 | 551,000 |
| Noninterest expense | 2,169,000 | 4,283,000 | 6,329,000 | 8,489,000 |
| Provision for loan losses | 225,000 | 425,000 | 575,000 | 725,000 |
| Pretax income | 47,000 | 116,000 | 367,000 | 492,000 |
| Income tax | 5,000 | 5,000 | 13,000 | 15,000 |
| Net income | 42,000 | 111,000 | 354,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,960,000 | 23,581,000 | 23,826,000 | 23,952,000 |
| Total capital | 26,030,000 | 25,580,000 | 25,814,000 | 25,896,000 |
| Risk-weighted assets | 163,621,000 | 157,989,000 | 156,124,000 | 152,958,000 |
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