Call reports 2012
GRAND MARSH STATE BANK — 2012
What GRAND MARSH STATE 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 | 128,595,000 | 123,169,000 | 121,459,000 | 128,095,000 |
| Total loans | 59,507,000 | 61,199,000 | 57,714,000 | 56,795,000 |
| Allowance for loan losses | 852,000 | 817,000 | 739,000 | 728,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 48,925,000 | 56,959,000 | 56,961,000 | 55,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,367,000 | 104,188,000 | 103,062,000 | 110,001,000 |
| Interest-bearing deposits | 93,859,000 | 88,907,000 | 88,291,000 | 92,501,000 |
| Noninterest-bearing deposits | 17,508,000 | 15,281,000 | 14,771,000 | 17,500,000 |
| Equity capital | 17,073,000 | 17,373,000 | 17,655,000 | 17,928,000 |
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 | 1,071,000 | 2,105,000 | 3,125,000 | 4,074,000 |
| Interest expense | 186,000 | 339,000 | 472,000 | 593,000 |
| Net interest income | 885,000 | 1,766,000 | 2,653,000 | 3,481,000 |
| Noninterest income | 93,000 | 209,000 | 309,000 | 398,000 |
| Noninterest expense | 477,000 | 990,000 | 1,534,000 | 2,097,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | 441,000 | 865,000 | 1,268,000 | 1,622,000 |
| Income tax | 121,000 | 245,000 | 366,000 | 447,000 |
| Net income | 320,000 | 620,000 | 902,000 | 1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,073,000 | 17,373,000 | 17,655,000 | 17,928,000 |
| Total capital | 17,910,000 | 18,166,000 | 18,389,000 | 18,656,000 |
| Risk-weighted assets | 66,933,000 | 63,454,000 | 58,719,000 | 60,840,000 |