Call reports 2014
GRAND VALLEY BANK — 2014
What GRAND VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 320,878,000 | 319,006,000 | 321,237,000 | 327,835,000 |
| Total loans | 131,524,000 | 131,790,000 | 136,845,000 | 133,686,000 |
| Allowance for loan losses | 2,036,000 | 2,153,000 | 2,297,000 | 2,355,000 |
| Securities available for sale | 128,246,000 | 125,659,000 | 123,557,000 | 130,196,000 |
| Securities held to maturity | 39,242,000 | 39,380,000 | 40,447,000 | 44,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,472,000 | 280,629,000 | 286,412,000 | 288,827,000 |
| Interest-bearing deposits | 206,346,000 | 201,886,000 | 206,078,000 | 205,443,000 |
| Noninterest-bearing deposits | 78,126,000 | 78,743,000 | 80,334,000 | 83,384,000 |
| Equity capital | 28,937,000 | 29,506,000 | 29,813,000 | 30,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,760,000 | 5,615,000 | 8,571,000 | 11,435,000 |
| Interest expense | 157,000 | 315,000 | 477,000 | 642,000 |
| Net interest income | 2,603,000 | 5,300,000 | 8,094,000 | 10,793,000 |
| Noninterest income | 325,000 | 693,000 | 1,023,000 | 1,422,000 |
| Noninterest expense | 2,181,000 | 4,414,000 | 6,614,000 | 8,793,000 |
| Provision for loan losses | 135,000 | 270,000 | 365,000 | 440,000 |
| Pretax income | 612,000 | 1,309,000 | 2,138,000 | 2,982,000 |
| Income tax | 94,000 | 217,000 | 404,000 | 587,000 |
| Net income | 518,000 | 1,092,000 | 1,734,000 | 2,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,806,000 | 28,207,000 | 28,678,000 | 29,167,000 |
| Total capital | 29,714,000 | 30,086,000 | 30,610,000 | 31,094,000 |
| Risk-weighted assets | 152,433,000 | 150,310,000 | 154,133,000 | 153,608,000 |
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