Call reports 2013
BANK OF GRAND LAKE — 2013
What BANK OF GRAND LAKE 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 | 114,841,000 | 121,153,000 | 124,947,000 | 132,650,000 |
| Total loans | 91,809,000 | 94,530,000 | 97,260,000 | 105,724,000 |
| Allowance for loan losses | 917,000 | 964,000 | 1,086,000 | 1,244,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,065,000 | 6,456,000 | 10,029,000 | 10,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,650,000 | 93,723,000 | 99,583,000 | 111,485,000 |
| Interest-bearing deposits | 78,780,000 | 85,373,000 | 91,203,000 | 103,016,000 |
| Noninterest-bearing deposits | 8,870,000 | 8,350,000 | 8,380,000 | 8,469,000 |
| Equity capital | 9,044,000 | 9,280,000 | 9,231,000 | 9,017,000 |
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 | 1,258,000 | 2,549,000 | 3,904,000 | 5,324,000 |
| Interest expense | 293,000 | 589,000 | 903,000 | 1,207,000 |
| Net interest income | 965,000 | 1,960,000 | 3,001,000 | 4,117,000 |
| Noninterest income | 119,000 | 224,000 | 453,000 | 532,000 |
| Noninterest expense | 641,000 | 1,330,000 | 2,154,000 | 3,133,000 |
| Provision for loan losses | 250,000 | 300,000 | 670,000 | 1,000,000 |
| Pretax income | 193,000 | 554,000 | 630,000 | 516,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 554,000 | 630,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,044,000 | 9,280,000 | 9,231,000 | 9,017,000 |
| Total capital | 9,961,000 | 10,244,000 | 10,317,000 | 10,200,000 |
| Risk-weighted assets | 81,852,000 | 86,105,000 | 88,577,000 | 94,522,000 |