Call reports 2016
GRAND SAVINGS BANK — 2016
What GRAND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 346,562,000 | 360,225,000 | 366,278,000 | 377,179,000 |
| Total loans | 268,887,000 | 272,406,000 | 280,532,000 | 294,811,000 |
| Allowance for loan losses | 1,024,000 | 1,295,000 | 1,528,000 | 1,758,000 |
| Securities available for sale | 28,745,000 | 28,672,000 | 29,987,000 | 27,341,000 |
| Securities held to maturity | 3,945,000 | 3,942,000 | 3,923,000 | 4,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,936,000 | 314,046,000 | 316,517,000 | 334,571,000 |
| Interest-bearing deposits | 285,341,000 | 289,737,000 | 272,730,000 | 277,888,000 |
| Noninterest-bearing deposits | 21,595,000 | 24,309,000 | 43,787,000 | 56,683,000 |
| Equity capital | 33,735,000 | 35,323,000 | 35,070,000 | 35,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,164,000 | 8,487,000 | 12,797,000 | 17,120,000 |
| Interest expense | 369,000 | 767,000 | 1,185,000 | 1,623,000 |
| Net interest income | 3,795,000 | 7,720,000 | 11,612,000 | 15,497,000 |
| Noninterest income | 858,000 | 1,695,000 | 2,580,000 | 3,309,000 |
| Noninterest expense | 2,736,000 | 5,464,000 | 8,367,000 | 11,462,000 |
| Provision for loan losses | 282,000 | 731,000 | 1,024,000 | 1,291,000 |
| Pretax income | 1,635,000 | 3,220,000 | 4,801,000 | 6,053,000 |
| Income tax | -876,000 | -876,000 | -876,000 | -876,000 |
| Net income | 2,511,000 | 4,096,000 | 5,677,000 | 6,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,120,000 | 34,725,000 | 34,527,000 | 35,802,000 |
| Total capital | 34,144,000 | 36,020,000 | 36,055,000 | 37,560,000 |
| Risk-weighted assets | 248,085,000 | 256,623,000 | 264,430,000 | 276,206,000 |