Call reports 2015
GRAND SAVINGS BANK — 2015
What GRAND SAVINGS 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 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 332,477,000 | 318,615,000 | 313,918,000 | 324,195,000 |
| Total loans | 220,763,000 | 230,351,000 | 243,804,000 | 256,453,000 |
| Allowance for loan losses | 684,000 | 726,000 | 946,000 | 746,000 |
| Securities available for sale | 35,044,000 | 32,326,000 | 29,624,000 | 29,922,000 |
| Securities held to maturity | 2,629,000 | 3,045,000 | 3,952,000 | 3,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,398,000 | 282,703,000 | 268,983,000 | 284,214,000 |
| Interest-bearing deposits | 264,526,000 | 261,102,000 | 253,591,000 | 266,924,000 |
| Noninterest-bearing deposits | 32,872,000 | 21,601,000 | 15,392,000 | 17,290,000 |
| Equity capital | 30,460,000 | 30,441,000 | 31,361,000 | 31,183,000 |
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 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,269,000 | 6,784,000 | 10,577,000 | 14,474,000 |
| Interest expense | 362,000 | 717,000 | 1,064,000 | 1,420,000 |
| Net interest income | 2,907,000 | 6,067,000 | 9,513,000 | 13,054,000 |
| Noninterest income | 714,000 | 1,536,000 | 2,405,000 | 3,230,000 |
| Noninterest expense | 2,667,000 | 5,454,000 | 8,153,000 | 10,872,000 |
| Provision for loan losses | 45,000 | 90,000 | 313,000 | 463,000 |
| Pretax income | 909,000 | 2,059,000 | 3,452,000 | 4,949,000 |
| Income tax | 328,000 | 779,000 | 1,312,000 | 1,841,000 |
| Net income | 581,000 | 1,280,000 | 2,140,000 | 3,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,865,000 | 29,919,000 | 30,790,000 | 30,721,000 |
| Total capital | 30,549,000 | 30,645,000 | 31,736,000 | 31,467,000 |
| Risk-weighted assets | 201,101,000 | 211,080,000 | 221,488,000 | 239,888,000 |