Call reports 2015
GRANDPOINT BANK — 2015
What GRANDPOINT 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 | 2,789,782,000 | 3,052,967,000 | 3,139,419,000 | 3,189,437,000 |
| Total loans | 2,033,361,000 | 2,186,955,000 | 2,258,062,000 | 2,285,525,000 |
| Allowance for loan losses | 14,471,000 | 15,893,000 | 17,983,000 | 17,245,000 |
| Securities available for sale | 453,966,000 | 548,732,000 | 574,236,000 | 573,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,370,779,000 | 2,282,461,000 | 2,492,656,000 | 2,559,528,000 |
| Interest-bearing deposits | 1,543,845,000 | 1,433,421,000 | 1,625,139,000 | 1,693,454,000 |
| Noninterest-bearing deposits | 826,934,000 | 849,040,000 | 867,517,000 | 866,074,000 |
| Equity capital | 324,851,000 | 331,135,000 | 337,826,000 | 344,389,000 |
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 | 26,453,000 | 54,107,000 | 83,538,000 | 113,684,000 |
| Interest expense | 1,313,000 | 2,564,000 | 4,010,000 | 5,640,000 |
| Net interest income | 25,140,000 | 51,543,000 | 79,528,000 | 108,044,000 |
| Noninterest income | 1,694,000 | 3,579,000 | 4,992,000 | 6,223,000 |
| Noninterest expense | 14,545,000 | 29,435,000 | 44,710,000 | 60,452,000 |
| Provision for loan losses | 250,000 | 1,500,000 | 3,750,000 | 3,750,000 |
| Pretax income | 12,033,000 | 24,181,000 | 36,054,000 | 50,059,000 |
| Income tax | 4,811,000 | 9,672,000 | 14,415,000 | 20,031,000 |
| Net income | 7,222,000 | 14,509,000 | 21,639,000 | 30,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 264,659,000 | 268,589,000 | 276,098,000 | 284,967,000 |
| Total capital | 279,284,000 | 284,636,000 | 294,235,000 | 302,366,000 |
| Risk-weighted assets | 2,382,057,000 | 2,323,932,000 | 2,375,958,000 | 2,398,763,000 |