Call reports 2015
GN BANK — 2015
What GN 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 | 110,142,000 | 109,122,000 | 103,845,000 | 101,299,000 |
| Total loans | 49,936,000 | 49,410,000 | 48,406,000 | 46,146,000 |
| Allowance for loan losses | 2,804,000 | 2,804,000 | 2,539,000 | 2,336,000 |
| Securities available for sale | 26,496,000 | 25,626,000 | 36,355,000 | 25,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,258,000 | 101,387,000 | 96,710,000 | 95,500,000 |
| Interest-bearing deposits | 89,207,000 | 88,937,000 | 84,371,000 | 82,655,000 |
| Noninterest-bearing deposits | 12,051,000 | 12,450,000 | 12,339,000 | 12,845,000 |
| Equity capital | 5,569,000 | 4,352,000 | 3,733,000 | 2,496,000 |
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 | 1,014,000 | 1,928,000 | 2,901,000 | 3,778,000 |
| Interest expense | 119,000 | 241,000 | 353,000 | 458,000 |
| Net interest income | 895,000 | 1,687,000 | 2,548,000 | 3,320,000 |
| Noninterest income | 179,000 | 236,000 | 294,000 | 293,000 |
| Noninterest expense | 1,548,000 | 3,120,000 | 4,568,000 | 6,281,000 |
| Provision for loan losses | 293,000 | 295,000 | 431,000 | 431,000 |
| Pretax income | -237,000 | -972,000 | -642,000 | -1,278,000 |
| Income tax | 87,000 | 251,000 | 574,000 | 778,000 |
| Net income | -324,000 | -1,223,000 | -1,216,000 | -2,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,389,000 | 3,491,000 | 3,500,000 | 2,663,000 |
| Total capital | 5,052,000 | 4,141,000 | 4,144,000 | 3,314,000 |
| Risk-weighted assets | 50,927,000 | 49,856,000 | 49,658,000 | 50,442,000 |