Call reports 2014
GRATIOT STATE BANK — 2014
What GRATIOT STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 45,035,000 | 44,874,000 | 43,782,000 | 42,166,000 |
| Total loans | 10,999,000 | 10,369,000 | 11,824,000 | 11,579,000 |
| Allowance for loan losses | 133,000 | 133,000 | 134,000 | 134,000 |
| Securities available for sale | 25,355,000 | 28,631,000 | 28,513,000 | 28,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,103,000 | 40,833,000 | 39,504,000 | 37,732,000 |
| Interest-bearing deposits | 38,281,000 | 37,650,000 | 36,815,000 | 34,557,000 |
| Noninterest-bearing deposits | 2,821,000 | 3,183,000 | 2,689,000 | 3,175,000 |
| Equity capital | 3,846,000 | 3,946,000 | 4,172,000 | 4,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 555,000 | 832,000 | 1,112,000 |
| Interest expense | 96,000 | 180,000 | 261,000 | 338,000 |
| Net interest income | 175,000 | 375,000 | 571,000 | 774,000 |
| Noninterest income | 14,000 | 24,000 | 36,000 | 50,000 |
| Noninterest expense | 206,000 | 420,000 | 603,000 | 814,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -799,000 | -803,000 | -778,000 | -772,000 |
| Income tax | -313,000 | -312,000 | -313,000 | -310,000 |
| Net income | -486,000 | -491,000 | -465,000 | -462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,034,000 | 3,028,000 | 3,055,000 | 3,058,000 |
| Total capital | 3,168,000 | 3,162,000 | 3,189,000 | 3,192,000 |
| Risk-weighted assets | 21,656,000 | 20,420,000 | 21,313,000 | 20,638,000 |
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