Call reports 2012
GRAND BANK — 2012
What GRAND BANK 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 | 197,657,000 | 205,386,000 | 206,727,000 | 202,440,000 |
| Total loans | 147,050,000 | 160,145,000 | 164,415,000 | 156,726,000 |
| Allowance for loan losses | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Securities available for sale | 33,163,000 | 33,287,000 | 30,043,000 | 29,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,516,000 | 152,507,000 | 153,951,000 | 160,236,000 |
| Interest-bearing deposits | 130,667,000 | 130,155,000 | 129,746,000 | 129,017,000 |
| Noninterest-bearing deposits | 20,850,000 | 22,352,000 | 24,204,000 | 31,219,000 |
| Equity capital | 30,129,000 | 30,848,000 | 31,712,000 | 26,450,000 |
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 | 2,570,000 | 5,205,000 | 7,869,000 | 10,361,000 |
| Interest expense | 372,000 | 703,000 | 1,000,000 | 1,296,000 |
| Net interest income | 2,198,000 | 4,502,000 | 6,869,000 | 9,065,000 |
| Noninterest income | 44,000 | 235,000 | 429,000 | 629,000 |
| Noninterest expense | 1,583,000 | 3,200,000 | 4,713,000 | 6,557,000 |
| Provision for loan losses | -12,000 | -45,000 | -62,000 | 23,000 |
| Pretax income | 671,000 | 1,582,000 | 2,701,000 | 3,168,000 |
| Income tax | 174,000 | 377,000 | 748,000 | 901,000 |
| Net income | 497,000 | 1,205,000 | 1,953,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,814,000 | 28,272,000 | 29,021,000 | 23,784,000 |
| Total capital | 29,770,000 | 30,376,000 | 30,880,000 | 25,735,000 |
| Risk-weighted assets | 153,860,000 | 165,850,000 | 168,215,000 | 161,072,000 |
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