Call reports 2012
GRAND RIDGE NATIONAL BANK — 2012
What GRAND RIDGE NATIONAL 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 | 56,985,000 | 58,930,000 | 64,931,000 | 69,190,000 |
| Total loans | 33,897,000 | 38,265,000 | 44,241,000 | 46,954,000 |
| Allowance for loan losses | 325,000 | 385,000 | 465,000 | 504,000 |
| Securities available for sale | 11,175,000 | 10,357,000 | 9,866,000 | 9,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,979,000 | 48,754,000 | 54,503,000 | 58,336,000 |
| Interest-bearing deposits | 38,263,000 | 40,221,000 | 44,147,000 | 46,479,000 |
| Noninterest-bearing deposits | 8,716,000 | 8,533,000 | 10,356,000 | 11,857,000 |
| Equity capital | 9,846,000 | 9,967,000 | 10,116,000 | 10,265,000 |
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 | 669,000 | 1,432,000 | 2,280,000 | 3,169,000 |
| Interest expense | 58,000 | 117,000 | 185,000 | 253,000 |
| Net interest income | 611,000 | 1,315,000 | 2,095,000 | 2,916,000 |
| Noninterest income | 14,000 | 33,000 | 53,000 | 77,000 |
| Noninterest expense | 498,000 | 998,000 | 1,511,000 | 2,065,000 |
| Provision for loan losses | 13,000 | 73,000 | 153,000 | 192,000 |
| Pretax income | 182,000 | 345,000 | 552,000 | 804,000 |
| Income tax | 55,000 | 105,000 | 174,000 | 258,000 |
| Net income | 127,000 | 240,000 | 378,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,171,000 | 9,237,000 | 9,421,000 | 9,053,000 |
| Total capital | 9,496,000 | 9,622,000 | 9,886,000 | 9,557,000 |
| Risk-weighted assets | 35,637,000 | 39,434,000 | 45,116,000 | 47,824,000 |
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