Call reports 2012
GRAHAM SAVINGS AND LOAN, SSB — 2012
What GRAHAM SAVINGS AND LOAN, SSB 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 | 130,697,000 | 129,501,000 | 125,804,000 | 123,166,000 |
| Total loans | 96,194,000 | 95,954,000 | 94,571,000 | 93,729,000 |
| Allowance for loan losses | 1,210,000 | 1,142,000 | 1,207,000 | 1,109,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,954,000 | 7,793,000 | 7,477,000 | 7,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,442,000 | 110,106,000 | 106,340,000 | 104,071,000 |
| Interest-bearing deposits | 105,815,000 | 101,724,000 | 100,736,000 | 98,348,000 |
| Noninterest-bearing deposits | 5,627,000 | 8,382,000 | 5,604,000 | 5,723,000 |
| Equity capital | 12,730,000 | 12,952,000 | 13,033,000 | 13,335,000 |
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 | 1,556,000 | 3,106,000 | 4,597,000 | 6,089,000 |
| Interest expense | 431,000 | 826,000 | 1,155,000 | 1,441,000 |
| Net interest income | 1,125,000 | 2,280,000 | 3,442,000 | 4,648,000 |
| Noninterest income | 57,000 | 124,000 | 178,000 | 228,000 |
| Noninterest expense | 697,000 | 1,346,000 | 2,023,000 | 2,640,000 |
| Provision for loan losses | 125,000 | 159,000 | 234,000 | 573,000 |
| Pretax income | 360,000 | 899,000 | 1,363,000 | 1,663,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 360,000 | 899,000 | 1,363,000 | 1,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,730,000 | 12,952,000 | 13,033,000 | 13,335,000 |
| Total capital | 13,621,000 | 13,838,000 | 13,912,000 | 14,239,000 |
| Risk-weighted assets | 71,006,000 | 70,685,000 | 70,098,000 | 72,228,000 |
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