Call reports 2017
STATE BANK OF GRAYMONT — 2017
What STATE BANK OF GRAYMONT reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 211,834,000 | 210,794,000 | 215,706,000 | 209,784,000 |
| Total loans | 130,757,000 | 134,506,000 | 139,220,000 | 142,508,000 |
| Allowance for loan losses | 890,000 | 886,000 | 883,000 | 854,000 |
| Securities available for sale | 60,873,000 | 61,209,000 | 61,335,000 | 54,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,584,000 | 187,681,000 | 192,228,000 | 186,623,000 |
| Interest-bearing deposits | 163,380,000 | 164,652,000 | 168,539,000 | 160,957,000 |
| Noninterest-bearing deposits | 26,204,000 | 23,029,000 | 23,689,000 | 25,666,000 |
| Equity capital | 21,381,000 | 21,868,000 | 22,465,000 | 22,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,487,000 | 5,311,000 | 7,195,000 |
| Interest expense | 273,000 | 547,000 | 831,000 | 1,113,000 |
| Net interest income | 1,465,000 | 2,940,000 | 4,480,000 | 6,082,000 |
| Noninterest income | 244,000 | 448,000 | 643,000 | 875,000 |
| Noninterest expense | 1,233,000 | 2,254,000 | 3,377,000 | 4,752,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 2,247,000 | 2,905,000 | 3,517,000 | 3,896,000 |
| Income tax | 805,000 | 1,178,000 | 1,183,000 | 1,288,000 |
| Net income | 1,442,000 | 1,727,000 | 2,334,000 | 2,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,129,000 | 21,427,000 | 22,021,000 | 22,367,000 |
| Total capital | 22,045,000 | 22,343,000 | 22,937,000 | 23,258,000 |
| Risk-weighted assets | 162,130,000 | 161,328,000 | 166,650,000 | 167,150,000 |