Call reports 2013
GRAND BANK — 2013
What GRAND 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 | 538,135,000 | 572,007,000 | 538,560,000 | 514,053,000 |
| Total loans | 188,596,000 | 189,356,000 | 208,439,000 | 210,035,000 |
| Allowance for loan losses | 2,725,000 | 2,425,000 | 2,425,000 | 2,425,000 |
| Securities available for sale | 115,269,000 | 118,494,000 | 106,649,000 | 86,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,524,000 | 442,008,000 | 415,648,000 | 395,063,000 |
| Interest-bearing deposits | 255,407,000 | 243,895,000 | 243,412,000 | 247,601,000 |
| Noninterest-bearing deposits | 160,117,000 | 198,113,000 | 172,236,000 | 147,462,000 |
| Equity capital | 36,586,000 | 36,867,000 | 37,427,000 | 36,946,000 |
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 | 2,763,000 | 5,526,000 | 8,405,000 | 11,332,000 |
| Interest expense | 479,000 | 943,000 | 1,433,000 | 1,907,000 |
| Net interest income | 2,284,000 | 4,583,000 | 6,972,000 | 9,425,000 |
| Noninterest income | 169,000 | 519,000 | 776,000 | 951,000 |
| Noninterest expense | 1,793,000 | 3,697,000 | 5,750,000 | 7,828,000 |
| Provision for loan losses | 0 | -300,000 | -300,000 | -300,000 |
| Pretax income | 660,000 | 1,705,000 | 2,298,000 | 2,848,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 660,000 | 1,705,000 | 2,298,000 | 2,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,091,000 | 37,175,000 | 37,804,000 | 37,424,000 |
| Total capital | 38,698,000 | 39,631,000 | 40,265,000 | 39,885,000 |
| Risk-weighted assets | 208,391,000 | 210,983,000 | 231,950,000 | 226,931,000 |