Call reports 2018
STATE BANK OF GRAYMONT — 2018
What STATE BANK OF GRAYMONT reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 211,306,000 | 204,788,000 | 201,400,000 | 201,168,000 |
| Total loans | 136,003,000 | 142,156,000 | 141,756,000 | 140,753,000 |
| Allowance for loan losses | 901,000 | 840,000 | 1,016,000 | 1,019,000 |
| Securities available for sale | 52,979,000 | 51,687,000 | 49,162,000 | 45,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,240,000 | 180,870,000 | 177,317,000 | 176,099,000 |
| Interest-bearing deposits | 162,685,000 | 158,055,000 | 155,398,000 | 150,599,000 |
| Noninterest-bearing deposits | 25,555,000 | 22,815,000 | 21,919,000 | 25,500,000 |
| Equity capital | 22,398,000 | 23,017,000 | 23,388,000 | 24,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,786,000 | 3,651,000 | 5,559,000 | 7,472,000 |
| Interest expense | 273,000 | 544,000 | 828,000 | 1,174,000 |
| Net interest income | 1,513,000 | 3,107,000 | 4,731,000 | 6,298,000 |
| Noninterest income | 234,000 | 450,000 | 644,000 | 859,000 |
| Noninterest expense | 1,158,000 | 2,152,000 | 3,287,000 | 4,456,000 |
| Provision for loan losses | 45,000 | 45,000 | 145,000 | 145,000 |
| Pretax income | 544,000 | 1,360,000 | 1,943,000 | 2,556,000 |
| Income tax | 113,000 | 307,000 | 430,000 | 599,000 |
| Net income | 431,000 | 1,053,000 | 1,513,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,580,000 | 23,203,000 | 23,663,000 | 24,107,000 |
| Total capital | 23,520,000 | 24,087,000 | 24,714,000 | 25,152,000 |
| Risk-weighted assets | 162,670,000 | 164,427,000 | 164,158,000 | 163,716,000 |