Call reports 2013
GRAND MOUNTAIN BANK, FSB — 2013
What GRAND MOUNTAIN BANK, FSB 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 | 98,391,000 | 93,877,000 | 97,320,000 | 91,182,000 |
| Total loans | 69,088,000 | 68,724,000 | 65,273,000 | 64,862,000 |
| Allowance for loan losses | 3,160,000 | 3,099,000 | 3,018,000 | 3,035,000 |
| Securities available for sale | 6,807,000 | 7,404,000 | 7,670,000 | 7,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,531,000 | 86,220,000 | 89,602,000 | 83,544,000 |
| Interest-bearing deposits | 75,055,000 | 70,924,000 | 70,706,000 | 66,699,000 |
| Noninterest-bearing deposits | 15,476,000 | 15,296,000 | 18,896,000 | 16,845,000 |
| Equity capital | 5,451,000 | 5,373,000 | 5,406,000 | 5,398,000 |
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 | 945,000 | 1,884,000 | 2,820,000 | 3,695,000 |
| Interest expense | 91,000 | 173,000 | 250,000 | 316,000 |
| Net interest income | 854,000 | 1,711,000 | 2,570,000 | 3,379,000 |
| Noninterest income | 240,000 | 286,000 | 435,000 | 542,000 |
| Noninterest expense | 1,037,000 | 1,920,000 | 2,879,000 | 3,783,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 77,000 | 126,000 | 138,000 |
| Income tax | 9,000 | 25,000 | 25,000 | 25,000 |
| Net income | 48,000 | 52,000 | 101,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,424,000 | 5,427,000 | 5,475,000 | 5,487,000 |
| Total capital | 6,254,000 | 6,238,000 | 6,266,000 | 6,269,000 |
| Risk-weighted assets | 63,279,000 | 61,970,000 | 60,137,000 | 59,439,000 |