Call reports 2013
GRAND VALLEY BANK — 2013
What GRAND VALLEY 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 | 316,234,000 | 305,458,000 | 307,827,000 | 307,180,000 |
| Total loans | 110,156,000 | 112,783,000 | 110,303,000 | 128,135,000 |
| Allowance for loan losses | 1,872,000 | 1,839,000 | 1,821,000 | 1,900,000 |
| Securities available for sale | 150,570,000 | 137,876,000 | 140,222,000 | 120,234,000 |
| Securities held to maturity | 36,646,000 | 37,015,000 | 38,050,000 | 37,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,163,000 | 272,924,000 | 275,732,000 | 273,557,000 |
| Interest-bearing deposits | 210,549,000 | 203,117,000 | 206,126,000 | 202,677,000 |
| Noninterest-bearing deposits | 69,614,000 | 69,807,000 | 69,606,000 | 70,880,000 |
| Equity capital | 28,302,000 | 27,658,000 | 28,113,000 | 28,609,000 |
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 | 2,585,000 | 5,225,000 | 7,731,000 | 10,356,000 |
| Interest expense | 221,000 | 414,000 | 600,000 | 774,000 |
| Net interest income | 2,364,000 | 4,811,000 | 7,131,000 | 9,582,000 |
| Noninterest income | 430,000 | 879,000 | 1,117,000 | 1,722,000 |
| Noninterest expense | 2,319,000 | 4,656,000 | 6,786,000 | 8,940,000 |
| Provision for loan losses | 60,000 | 135,000 | 218,000 | 318,000 |
| Pretax income | 415,000 | 899,000 | 1,245,000 | 2,084,000 |
| Income tax | 27,000 | 76,000 | 89,000 | 269,000 |
| Net income | 388,000 | 823,000 | 1,156,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,001,000 | 26,446,000 | 26,788,000 | 27,459,000 |
| Total capital | 27,756,000 | 28,202,000 | 28,507,000 | 29,299,000 |
| Risk-weighted assets | 141,785,000 | 140,331,000 | 137,190,000 | 147,168,000 |
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