Call reports 2019
STATE BANK OF GRAYMONT — 2019
What STATE BANK OF GRAYMONT reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 203,257,000 | 203,946,000 | 211,812,000 | 210,363,000 |
| Total loans | 137,648,000 | 141,409,000 | 138,816,000 | 142,491,000 |
| Allowance for loan losses | 1,021,000 | 1,019,000 | 1,019,000 | 1,676,000 |
| Securities available for sale | 43,064,000 | 43,491,000 | 41,831,000 | 36,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,449,000 | 177,119,000 | 184,258,000 | 182,825,000 |
| Interest-bearing deposits | 152,388,000 | 152,543,000 | 160,912,000 | 155,779,000 |
| Noninterest-bearing deposits | 25,061,000 | 24,576,000 | 23,346,000 | 27,046,000 |
| Equity capital | 24,594,000 | 25,475,000 | 26,135,000 | 26,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,890,000 | 3,849,000 | 5,869,000 | 7,879,000 |
| Interest expense | 386,000 | 785,000 | 1,248,000 | 1,700,000 |
| Net interest income | 1,504,000 | 3,064,000 | 4,621,000 | 6,179,000 |
| Noninterest income | 198,000 | 418,000 | 679,000 | 890,000 |
| Noninterest expense | 1,104,000 | 2,175,000 | 3,226,000 | 4,445,000 |
| Provision for loan losses | 0 | 0 | 0 | 656,000 |
| Pretax income | 678,000 | 1,382,000 | 2,165,000 | 2,060,000 |
| Income tax | 150,000 | 318,000 | 518,000 | 457,000 |
| Net income | 528,000 | 1,064,000 | 1,647,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,488,000 | 25,024,000 | 25,610,000 | 25,564,000 |
| Total capital | 25,509,000 | 26,043,000 | 26,629,000 | 27,240,000 |
| Risk-weighted assets | 156,320,000 | 157,894,000 | 158,845,000 | 156,570,000 |