Call reports 2015
GRATIOT STATE BANK — 2015
What GRATIOT STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 42,630,000 | 41,707,000 | 39,770,000 |
| Total loans | 11,393,000 | 11,014,000 | 10,486,000 |
| Allowance for loan losses | 134,000 | 134,000 | 134,000 |
| Securities available for sale | 27,377,000 | 25,835,000 | 25,558,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 38,427,000 | 37,655,000 | 35,586,000 |
| Interest-bearing deposits | 35,542,000 | 34,781,000 | 32,782,000 |
| Noninterest-bearing deposits | 2,885,000 | 2,874,000 | 2,804,000 |
| Equity capital | 4,121,000 | 3,937,000 | 4,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 275,000 | 531,000 | 783,000 |
| Interest expense | 72,000 | 142,000 | 207,000 |
| Net interest income | 203,000 | 389,000 | 576,000 |
| Noninterest income | 11,000 | 32,000 | 44,000 |
| Noninterest expense | 194,000 | 422,000 | 620,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 20,000 | -1,000 | 3,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 20,000 | -1,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 3,107,000 | 3,086,000 | 3,090,000 |
| Total capital | 3,241,000 | 3,220,000 | 3,224,000 |
| Risk-weighted assets | 17,567,000 | 17,151,000 | 16,326,000 |