Call reports 2020
STATE BANK OF GRAYMONT — 2020
What STATE BANK OF GRAYMONT reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 209,810,000 | 226,820,000 | 234,828,000 | 245,613,000 |
| Total loans | 137,538,000 | 154,540,000 | 157,561,000 | 154,147,000 |
| Allowance for loan losses | 1,590,000 | 1,936,000 | 1,953,000 | 1,757,000 |
| Securities available for sale | 39,991,000 | 43,249,000 | 53,219,000 | 53,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,246,000 | 193,065,000 | 200,963,000 | 210,685,000 |
| Interest-bearing deposits | 156,256,000 | 164,594,000 | 173,604,000 | 175,448,000 |
| Noninterest-bearing deposits | 25,990,000 | 28,471,000 | 27,359,000 | 35,237,000 |
| Equity capital | 26,297,000 | 27,338,000 | 27,584,000 | 28,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,022,000 | 3,871,000 | 5,729,000 | 7,784,000 |
| Interest expense | 405,000 | 762,000 | 1,091,000 | 1,399,000 |
| Net interest income | 1,617,000 | 3,109,000 | 4,638,000 | 6,385,000 |
| Noninterest income | 286,000 | 716,000 | 1,055,000 | 1,444,000 |
| Noninterest expense | 1,212,000 | 2,256,000 | 3,403,000 | 4,651,000 |
| Provision for loan losses | 7,000 | 351,000 | 366,000 | 745,000 |
| Pretax income | 652,000 | 1,196,000 | 1,902,000 | 2,423,000 |
| Income tax | 78,000 | 368,000 | 490,000 | 610,000 |
| Net income | 574,000 | 828,000 | 1,412,000 | 1,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,990,000 | 26,245,000 | 26,402,000 | 26,804,000 |