Call reports 2013
GRAHAM SAVINGS AND LOAN, SSB — 2013
What GRAHAM SAVINGS AND LOAN, SSB 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 | 125,217,000 | 125,127,000 | 125,225,000 | 127,571,000 |
| Total loans | 93,591,000 | 92,445,000 | 90,628,000 | 87,564,000 |
| Allowance for loan losses | 1,113,000 | 1,117,000 | 1,117,000 | 1,123,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,294,000 | 8,014,000 | 9,019,000 | 11,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,538,000 | 105,644,000 | 105,845,000 | 110,441,000 |
| Interest-bearing deposits | 100,665,000 | 100,964,000 | 100,225,000 | 105,637,000 |
| Noninterest-bearing deposits | 4,873,000 | 4,680,000 | 5,620,000 | 4,804,000 |
| Equity capital | 13,915,000 | 13,757,000 | 14,116,000 | 13,414,000 |
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 | 1,657,000 | 3,107,000 | 4,495,000 | 5,841,000 |
| Interest expense | 253,000 | 511,000 | 781,000 | 1,051,000 |
| Net interest income | 1,404,000 | 2,596,000 | 3,714,000 | 4,790,000 |
| Noninterest income | -22,000 | -32,000 | 73,000 | 41,000 |
| Noninterest expense | 611,000 | 1,252,000 | 1,924,000 | 2,654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 771,000 | 1,312,000 | 1,863,000 | 2,177,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 771,000 | 1,312,000 | 1,863,000 | 2,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,915,000 | 13,757,000 | 14,116,000 | 13,414,000 |
| Total capital | 14,780,000 | 14,613,000 | 14,950,000 | 14,219,000 |
| Risk-weighted assets | 68,920,000 | 68,196,000 | 66,474,000 | 64,111,000 |
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