Call reports 2013
GRAND BANK — 2013
What GRAND 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 | 200,035,000 | 199,707,000 | 214,015,000 | 208,985,000 |
| Total loans | 160,229,000 | 160,207,000 | 169,929,000 | 162,908,000 |
| Allowance for loan losses | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Securities available for sale | 27,330,000 | 26,648,000 | 30,643,000 | 31,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,944,000 | 155,683,000 | 162,204,000 | 173,882,000 |
| Interest-bearing deposits | 129,510,000 | 126,313,000 | 130,874,000 | 133,024,000 |
| Noninterest-bearing deposits | 32,434,000 | 29,369,000 | 31,329,000 | 40,858,000 |
| Equity capital | 26,850,000 | 26,906,000 | 27,444,000 | 26,008,000 |
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 | 2,421,000 | 4,827,000 | 7,387,000 | 9,868,000 |
| Interest expense | 255,000 | 435,000 | 621,000 | 798,000 |
| Net interest income | 2,166,000 | 4,392,000 | 6,766,000 | 9,070,000 |
| Noninterest income | 178,000 | 372,000 | 581,000 | 606,000 |
| Noninterest expense | 1,679,000 | 3,366,000 | 5,014,000 | 6,491,000 |
| Provision for loan losses | -16,000 | -35,000 | -59,000 | -81,000 |
| Pretax income | 681,000 | 1,433,000 | 2,426,000 | 3,341,000 |
| Income tax | 93,000 | 272,000 | 556,000 | 791,000 |
| Net income | 588,000 | 1,161,000 | 1,870,000 | 2,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,373,000 | 24,944,000 | 25,654,000 | 24,334,000 |
| Total capital | 26,457,000 | 27,048,000 | 27,898,000 | 26,501,000 |
| Risk-weighted assets | 164,074,000 | 166,402,000 | 177,779,000 | 171,652,000 |
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