Call reports 2013
GRANT COUNTY DEPOSIT BANK — 2013
What GRANT COUNTY DEPOSIT 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 | 85,312,000 | 82,868,000 | 80,347,000 | 80,475,000 |
| Total loans | 47,694,000 | 46,413,000 | 45,760,000 | 45,074,000 |
| Allowance for loan losses | 998,000 | 968,000 | 811,000 | 818,000 |
| Securities available for sale | 27,981,000 | 28,495,000 | 28,808,000 | 28,580,000 |
| Securities held to maturity | 20,000 | 20,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,602,000 | 70,304,000 | 67,913,000 | 68,160,000 |
| Interest-bearing deposits | 64,274,000 | 62,759,000 | 60,728,000 | 60,586,000 |
| Noninterest-bearing deposits | 7,328,000 | 7,545,000 | 7,185,000 | 7,574,000 |
| Equity capital | 9,332,000 | 8,579,000 | 8,682,000 | 8,499,000 |
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 | 826,000 | 1,610,000 | 2,377,000 | 3,122,000 |
| Interest expense | 108,000 | 210,000 | 304,000 | 392,000 |
| Net interest income | 718,000 | 1,400,000 | 2,073,000 | 2,730,000 |
| Noninterest income | -167,000 | -116,000 | -17,000 | 125,000 |
| Noninterest expense | 885,000 | 1,773,000 | 2,702,000 | 3,540,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | -333,000 | -488,000 | -645,000 | -694,000 |
| Income tax | -114,000 | -167,000 | -220,000 | -237,000 |
| Net income | -219,000 | -321,000 | -425,000 | -457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,343,000 | 9,241,000 | 9,137,000 | 8,464,000 |
| Total capital | 9,948,000 | 9,828,000 | 9,714,000 | 9,039,000 |
| Risk-weighted assets | 48,025,000 | 46,558,000 | 45,906,000 | 45,726,000 |