Call reports 2015
STATE BANK OF GRAYMONT — 2015
What STATE BANK OF GRAYMONT 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 | 212,467,000 | 210,541,000 | 208,505,000 | 209,857,000 |
| Total loans | 124,933,000 | 126,847,000 | 126,942,000 | 125,274,000 |
| Allowance for loan losses | 949,000 | 953,000 | 961,000 | 921,000 |
| Securities available for sale | 63,863,000 | 63,484,000 | 61,649,000 | 52,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,003,000 | 187,941,000 | 186,452,000 | 187,523,000 |
| Interest-bearing deposits | 168,707,000 | 167,713,000 | 167,528,000 | 165,290,000 |
| Noninterest-bearing deposits | 21,296,000 | 20,228,000 | 18,924,000 | 22,233,000 |
| Equity capital | 20,921,000 | 21,187,000 | 21,205,000 | 21,487,000 |
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 | 1,726,000 | 3,465,000 | 5,257,000 | 6,980,000 |
| Interest expense | 298,000 | 594,000 | 888,000 | 1,175,000 |
| Net interest income | 1,428,000 | 2,871,000 | 4,369,000 | 5,805,000 |
| Noninterest income | 197,000 | 431,000 | 644,000 | 1,095,000 |
| Noninterest expense | 1,509,000 | 2,533,000 | 3,470,000 | 4,699,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 116,000 | 769,000 | 1,543,000 | 2,403,000 |
| Income tax | 67,000 | 209,000 | 464,000 | 787,000 |
| Net income | 49,000 | 560,000 | 1,079,000 | 1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,427,000 | 18,938,000 | 19,457,000 | 19,994,000 |
| Total capital | 20,465,000 | 20,944,000 | 21,142,000 | 21,484,000 |
| Risk-weighted assets | 156,422,000 | 155,753,000 | 159,678,000 | 155,172,000 |