Call reports 2013
GRAND MARSH STATE BANK — 2013
What GRAND MARSH STATE 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 | 132,062,000 | 129,719,000 | 132,617,000 | 138,087,000 |
| Total loans | 53,602,000 | 55,240,000 | 52,553,000 | 53,002,000 |
| Allowance for loan losses | 736,000 | 751,000 | 782,000 | 812,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 64,444,000 | 64,036,000 | 69,111,000 | 70,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,704,000 | 111,041,000 | 112,543,000 | 118,903,000 |
| Interest-bearing deposits | 106,746,000 | 91,547,000 | 93,635,000 | 96,186,000 |
| Noninterest-bearing deposits | 6,958,000 | 19,494,000 | 18,908,000 | 22,717,000 |
| Equity capital | 18,239,000 | 18,537,000 | 18,823,000 | 18,008,000 |
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 | 912,000 | 1,809,000 | 2,703,000 | 3,614,000 |
| Interest expense | 117,000 | 232,000 | 347,000 | 458,000 |
| Net interest income | 795,000 | 1,577,000 | 2,356,000 | 3,156,000 |
| Noninterest income | 78,000 | 163,000 | 243,000 | 297,000 |
| Noninterest expense | 437,000 | 867,000 | 1,285,000 | 1,779,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 406,000 | 813,000 | 1,224,000 | 1,554,000 |
| Income tax | 95,000 | 204,000 | 329,000 | 474,000 |
| Net income | 311,000 | 609,000 | 895,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,239,000 | 18,537,000 | 18,823,000 | 18,008,000 |
| Total capital | 18,974,000 | 19,276,000 | 19,545,000 | 18,755,000 |
| Risk-weighted assets | 58,807,000 | 59,124,000 | 57,721,000 | 59,731,000 |