Call reports 2013
STATE BANK OF GRAYMONT — 2013
What STATE BANK OF GRAYMONT 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 | 207,375,000 | 203,875,000 | 205,005,000 | 205,480,000 |
| Total loans | 104,397,000 | 105,842,000 | 111,297,000 | 122,314,000 |
| Allowance for loan losses | 742,000 | 739,000 | 767,000 | 786,000 |
| Securities available for sale | 65,807,000 | 69,306,000 | 67,112,000 | 68,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,422,000 | 184,020,000 | 184,976,000 | 184,034,000 |
| Interest-bearing deposits | 165,416,000 | 164,492,000 | 165,541,000 | 161,044,000 |
| Noninterest-bearing deposits | 22,006,000 | 19,528,000 | 19,435,000 | 22,990,000 |
| Equity capital | 18,374,000 | 18,385,000 | 18,622,000 | 19,017,000 |
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 | 1,629,000 | 3,268,000 | 4,962,000 | 6,669,000 |
| Interest expense | 336,000 | 655,000 | 970,000 | 1,276,000 |
| Net interest income | 1,293,000 | 2,613,000 | 3,992,000 | 5,393,000 |
| Noninterest income | 190,000 | 393,000 | 558,000 | 729,000 |
| Noninterest expense | 949,000 | 1,850,000 | 2,757,000 | 3,894,000 |
| Provision for loan losses | 0 | 0 | 16,000 | 23,000 |
| Pretax income | 572,000 | 1,240,000 | 1,861,000 | 2,315,000 |
| Income tax | 227,000 | 275,000 | 549,000 | 643,000 |
| Net income | 345,000 | 965,000 | 1,312,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,621,000 | 16,241,000 | 16,588,000 | 16,948,000 |
| Total capital | 17,123,000 | 17,830,000 | 18,294,000 | 17,734,000 |
| Risk-weighted assets | 132,018,000 | 133,797,000 | 139,484,000 | 148,865,000 |