Call reports 2013
GRAND RIDGE NATIONAL BANK — 2013
What GRAND RIDGE NATIONAL 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 | 70,703,000 | 75,064,000 | 80,536,000 | 83,092,000 |
| Total loans | 47,046,000 | 51,663,000 | 54,255,000 | 58,003,000 |
| Allowance for loan losses | 512,000 | 573,000 | 621,000 | 663,000 |
| Securities available for sale | 8,510,000 | 8,054,000 | 7,671,000 | 6,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,720,000 | 64,014,000 | 69,114,000 | 71,448,000 |
| Interest-bearing deposits | 47,615,000 | 51,423,000 | 55,681,000 | 58,549,000 |
| Noninterest-bearing deposits | 12,105,000 | 12,591,000 | 13,433,000 | 12,899,000 |
| Equity capital | 10,412,000 | 10,534,000 | 10,752,000 | 10,936,000 |
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 | 858,000 | 1,807,000 | 2,867,000 | 3,907,000 |
| Interest expense | 66,000 | 133,000 | 214,000 | 299,000 |
| Net interest income | 792,000 | 1,674,000 | 2,653,000 | 3,608,000 |
| Noninterest income | 21,000 | 40,000 | 66,000 | 97,000 |
| Noninterest expense | 564,000 | 1,127,000 | 1,700,000 | 2,281,000 |
| Provision for loan losses | 8,000 | 70,000 | 117,000 | 159,000 |
| Pretax income | 241,000 | 517,000 | 902,000 | 1,265,000 |
| Income tax | 84,000 | 183,000 | 326,000 | 506,000 |
| Net income | 157,000 | 334,000 | 576,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,219,000 | 9,405,000 | 9,656,000 | 9,848,000 |
| Total capital | 9,731,000 | 9,978,000 | 10,277,000 | 10,511,000 |
| Risk-weighted assets | 48,381,000 | 51,695,000 | 51,228,000 | 59,068,000 |
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