Call reports 2014
STATE BANK OF GRAYMONT — 2014
What STATE BANK OF GRAYMONT 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 | 213,958,000 | 214,525,000 | 211,798,000 | 209,344,000 |
| Total loans | 114,875,000 | 116,828,000 | 123,488,000 | 126,998,000 |
| Allowance for loan losses | 794,000 | 804,000 | 965,000 | 920,000 |
| Securities available for sale | 66,241,000 | 70,524,000 | 72,207,000 | 65,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,940,000 | 192,887,000 | 189,751,000 | 186,648,000 |
| Interest-bearing deposits | 172,320,000 | 172,163,000 | 171,033,000 | 163,736,000 |
| Noninterest-bearing deposits | 20,620,000 | 20,724,000 | 18,718,000 | 22,912,000 |
| Equity capital | 19,561,000 | 20,094,000 | 20,540,000 | 21,082,000 |
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 | 1,656,000 | 3,372,000 | 5,124,000 | 6,915,000 |
| Interest expense | 299,000 | 611,000 | 921,000 | 1,227,000 |
| Net interest income | 1,357,000 | 2,761,000 | 4,203,000 | 5,688,000 |
| Noninterest income | 180,000 | 358,000 | 534,000 | 723,000 |
| Noninterest expense | 927,000 | 1,850,000 | 2,744,000 | 4,041,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 210,000 |
| Pretax income | 610,000 | 1,278,000 | 1,881,000 | 2,167,000 |
| Income tax | 129,000 | 279,000 | 414,000 | 443,000 |
| Net income | 481,000 | 999,000 | 1,467,000 | 1,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,429,000 | 17,800,000 | 18,268,000 | 18,525,000 |
| Total capital | 19,147,000 | 19,554,000 | 19,233,000 | 19,445,000 |
| Risk-weighted assets | 144,355,000 | 146,081,000 | 150,927,000 | 152,170,000 |