Call reports 2012
GRAND MOUNTAIN BANK, FSB — 2012
What GRAND MOUNTAIN BANK, FSB 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 | 101,793,000 | 96,696,000 | 101,098,000 | 98,976,000 |
| Total loans | 68,958,000 | 68,757,000 | 67,580,000 | 69,927,000 |
| Allowance for loan losses | 3,801,000 | 3,588,000 | 3,453,000 | 3,136,000 |
| Securities available for sale | 4,432,000 | 2,424,000 | 2,089,000 | 7,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,150,000 | 88,589,000 | 93,190,000 | 91,206,000 |
| Interest-bearing deposits | 80,314,000 | 75,324,000 | 76,713,000 | 75,298,000 |
| Noninterest-bearing deposits | 12,836,000 | 13,265,000 | 16,477,000 | 15,908,000 |
| Equity capital | 5,903,000 | 5,806,000 | 5,480,000 | 5,417,000 |
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 | 1,067,000 | 2,046,000 | 3,036,000 | 3,960,000 |
| Interest expense | 166,000 | 298,000 | 423,000 | 529,000 |
| Net interest income | 901,000 | 1,748,000 | 2,613,000 | 3,431,000 |
| Noninterest income | 112,000 | 232,000 | 378,000 | 457,000 |
| Noninterest expense | 1,209,000 | 2,279,000 | 3,481,000 | 4,419,000 |
| Provision for loan losses | 272,000 | 272,000 | 407,000 | 407,000 |
| Pretax income | -467,000 | -570,000 | -896,000 | -937,000 |
| Income tax | 6,000 | 4,000 | 19,000 | 37,000 |
| Net income | -473,000 | -574,000 | -915,000 | -974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,877,000 | 5,775,000 | 5,434,000 | 5,375,000 |
| Total capital | 6,770,000 | 6,662,000 | 6,289,000 | 6,230,000 |
| Risk-weighted assets | 67,302,000 | 67,293,000 | 64,787,000 | 64,878,000 |